I have read many threads about truck and trailer options where people warn of going over 26k truck and 10K trailer would require getting a CDL license. But you only need a CDL if you use your truck for comercial reasons. if this was not true you would need to carry a DOT medical certificate every time your combined truck trailer weight was over 10K. All the private owner needs to do is not overload your truck/trailer and legally you should be fine. these are federal regs so they should not vary from state to state.
Chris
Chris