The state where Americans owe the most money isn’t California, Hawaii or New York. Rather, a new MoneyLion study reveals Colorado leads the nation with the highest average debt. The total debt per capita amounts to $92,690, or just $7,310 shy of $100,000.
To determine how much Americans owe in every state, MoneyLion sourced the debt per capita (defined as by or for each person) using debt data from the Federal Reserve Bank of New York. Key costs include credit card, mortgage and student loan debt along with the delinquency percentage rates for credit cards, mortgages and student loans. We scored and weighted credit card, mortgage and student loan debt at 1.00. The respective delinquency rates were scored and weighted at 1.50 except for mortgage rates which were scored and weighted at 2.00 in order to sum and sort the states and show where Americans have their debt the most under control.
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Key Findings
Midwestern Americans are most in control of their debt. The top five states and their total debt per capita are Wisconsin ($49,210), Minnesota ($63,860), Nebraska ($49,530), South Dakota ($52,270) and Iowa ($47,410).
Colorado is one of eight states where the total debt is more than $75,000 per capita. The majority of Colorado’s total debt is composed of mortgage debt amounting to $72,210 (out of a total $92,690), with Colorado’s mortgage debt ranking first as the highest per capita in the nation. The remaining seven states and their average total debt are as follows: California ($87,850), Washington ($85,880), Hawaii ($83,480), Utah ($83,350), Maryland ($81,390), Massachusetts ($77,400) and Virginia ($77,060).
Credit card debt amounts to $5,000+ in seven states: Alaska ($5,250), Hawaii ($5,220), New Jersey ($5,160), Maryland ($5,090), Nevada ($5,060), Florida ($5,050) and California ($5,000)
Where do borrowers have the most, and least, student loan debt? While Georgia leads at $7,120 per capita, five states surprised with less than $4,000. They are Utah ($3,980), New Mexico ($3,900), Alaska ($3,860), Hawaii ($3,810) and Wyoming ($3,180).
35 states have credit card delinquency rates at 10% or higher. By sharp contrast, mortgage debt delinquency rates do not exceed 2% in any state.
See how much Americans owe in every state, ranked in order of states where Americans are most in control of their debt.
1. Wisconsin
Credit card debt per capita: $3,400
Mortgage debt per capita: $33,260
Student loan debt per capita: $4,600
Total debt per capita: $49,210
Average credit card delinquency rate: 8%
Average mortgage debt delinquency rate: 0.5%
Average student loan delinquency rate: 4.3%
2. Minnesota
Credit card debt per capita: $3,990
Mortgage debt per capita: $46,300
Student loan debt per capita: $5,820
Total debt per capita: $63,860
Average credit card delinquency rate: 8.6%
Average mortgage debt delinquency rate: 0.6%
Average student loan delinquency rate: 5.8%
3. Nebraska
Credit card debt per capita: $3,650
Mortgage debt per capita: $33,170
Student loan debt per capita: $4,990
Total debt per capita: $49,530
Average credit card delinquency rate: 9.8%
Average mortgage debt delinquency rate: 0.7%
Average student loan delinquency rate: 7.2%
4. South Dakota
Credit card debt per capita: $3,530
Mortgage debt per capita: $34,380
Student loan debt per capita: $4,820
Total debt per capita: $52,270
Average credit card delinquency rate: 9.1%
Average mortgage debt delinquency rate: 0.8%
Average student loan delinquency rate: 5.8%
5. Iowa
Credit card debt per capita: $3,250
Mortgage debt per capita: $31,150
Student loan debt per capita: $4,730
Total debt per capita: $47,410
Average credit card delinquency rate: 10.3%
Average mortgage debt delinquency rate: 0.8%
Average student loan delinquency rate: 6.6%
6. Vermont
Credit card debt per capita: $3,790
Mortgage debt per capita: $34,090
Student loan debt per capita: $5,670
Total debt per capita: $52,910
Average credit card delinquency rate: 9%
Average mortgage debt delinquency rate: 0.6%
Average student loan delinquency rate: 7.5%
7. Maine
Credit card debt per capita: $3,760
Mortgage debt per capita: $34,340
Student loan debt per capita: $5,320
Total debt per capita: $53,360
Average credit card delinquency rate: 9.8%
Average mortgage debt delinquency rate: 0.8%
Average student loan delinquency rate: 5.6%
8. Idaho
Credit card debt per capita: $3,870
Mortgage debt per capita: $50,320
Student loan debt per capita: $4,480
Total debt per capita: $69,450
Average credit card delinquency rate: 9.5%
Average mortgage debt delinquency rate: 0.7%
Average student loan delinquency rate: 6.2%
9. Oregon
Credit card debt per capita: $4,030
Mortgage debt per capita: $52,060
Student loan debt per capita: $5,600
Total debt per capita: $69,640
Average credit card delinquency rate: 9.5%
Average mortgage debt delinquency rate: 0.6%
Average student loan delinquency rate: 6.9%
10. Montana
Credit card debt per capita: $3,850
Mortgage debt per capita: $40,740
Student loan debt per capita: $4,390
Total debt per capita: $58,390
Average credit card delinquency rate: 9.8%
Average mortgage debt delinquency rate: 0.5%
Average student loan delinquency rate: 9.9%
11. Utah
Credit card debt per capita: $4,260
Mortgage debt per capita: $63,650
Student loan debt per capita: $3,980
Total debt per capita: $83,350
Average credit card delinquency rate: 9.5%
Average mortgage debt delinquency rate: 0.7%
Average student loan delinquency rate: 5.9%
12. New Hampshire
Credit card debt per capita: $4,500
Mortgage debt per capita: $45,690
Student loan debt per capita: $5,950
Total debt per capita: $66,480
Average credit card delinquency rate: 9.8%
Average mortgage debt delinquency rate: 0.6%
Average student loan delinquency rate: 4.8%
13. Washington
Credit card debt per capita: $4,640
Mortgage debt per capita: $67,840
Student loan debt per capita: $4,250
Total debt per capita: $85,880
Average credit card delinquency rate: 9.3%
Average mortgage debt delinquency rate: 0.6%
Average student loan delinquency rate: 6.2%
14. Wyoming
Credit card debt per capita: $3,990
Mortgage debt per capita: $40,830
Student loan debt per capita: $3,180
Total debt per capita: $57,120
Average credit card delinquency rate: 10.5%
Average mortgage debt delinquency rate: 0.8%
Average student loan delinquency rate: 9.6%
15. North Dakota
Credit card debt per capita: $3,970
Mortgage debt per capita: $34,410
Student loan debt per capita: $4,880
Total debt per capita: $53,300
Average credit card delinquency rate: 9%
Average mortgage debt delinquency rate: 0.9%
Average student loan delinquency rate: 7.3%
16. Massachusetts
Credit card debt per capita: $4,650
Mortgage debt per capita: $58,200
Student loan debt per capita: $6,120
Total debt per capita: $77,400
Average credit card delinquency rate: 10.3%
Average mortgage debt delinquency rate: 0.7%
Average student loan delinquency rate: 5.7%
17. Hawaii
Credit card debt per capita: $5,220
Mortgage debt per capita: $63,810
Student loan debt per capita: $3,810
Total debt per capita: $83,480
Average credit card delinquency rate: 10.2%
Average mortgage debt delinquency rate: 0.6%
Average student loan delinquency rate: 8.4%
18. Kansas
Credit card debt per capita: $3,670
Mortgage debt per capita: $30,510
Student loan debt per capita: $5,190
Total debt per capita: $46,720
Average credit card delinquency rate: 10.7%
Average mortgage debt delinquency rate: 0.8%
Average student loan delinquency rate: 10%
19. Missouri
Credit card debt per capita: $3,550
Mortgage debt per capita: $32,450
Student loan debt per capita: $5,180
Total debt per capita: $49,420
Average credit card delinquency rate: 11.4%
Average mortgage debt delinquency rate: 0.8%
Average student loan delinquency rate: 6.8%
20. Alaska
Credit card debt per capita: $5,250
Mortgage debt per capita: $51,070
Student loan debt per capita: $3,860
Total debt per capita: $69,460
Average credit card delinquency rate: 9.8%
Average mortgage debt delinquency rate: 0.7%
Average student loan delinquency rate: 8.8%
21. Rhode Island
Credit card debt per capita: $4,490
Mortgage debt per capita: $41,690
Student loan debt per capita: $5,630
Total debt per capita: $60,090
Average credit card delinquency rate: 11.4%
Average mortgage debt delinquency rate: 1%
Average student loan delinquency rate: 7.2%
22. Kentucky
Credit card debt per capita: $3,140
Mortgage debt per capita: $26,280
Student loan debt per capita: $5,270
Total debt per capita: $43,160
Average credit card delinquency rate: 11.8%
Average mortgage debt delinquency rate: 1%
Average student loan delinquency rate: 9.2%
23. Tennessee
Credit card debt per capita: $3,710
Mortgage debt per capita: $37,910
Student loan debt per capita: $5,120
Total debt per capita: $56,690
Average credit card delinquency rate: 11.6%
Average mortgage debt delinquency rate: 0.7%
Average student loan delinquency rate: 7.6%
24. Michigan
Credit card debt per capita: $3,670
Mortgage debt per capita: $30,600
Student loan debt per capita: $5,700
Total debt per capita: $48,050
Average credit card delinquency rate: 11.3%
Average mortgage debt delinquency rate: 0.9%
Average student loan delinquency rate: 7.7%
25. Ohio
Credit card debt per capita: $3,560
Mortgage debt per capita: $28,700
Student loan debt per capita: $5,860
Total debt per capita: $46,780
Average credit card delinquency rate: 11.1%
Average mortgage debt delinquency rate: 1%
Average student loan delinquency rate: 8.5%
26. Virginia
Credit card debt per capita: $4,770
Mortgage debt per capita: $57,130
Student loan debt per capita: $6,100
Total debt per capita: $77,060
Average credit card delinquency rate: 9.9%
Average mortgage debt delinquency rate: 0.7%
Average student loan delinquency rate: 6.7%
27. Indiana
Credit card debt per capita: $3,410
Mortgage debt per capita: $32,520
Student loan debt per capita: $4,830
Total debt per capita: $49,330
Average credit card delinquency rate: 11.7%
Average mortgage debt delinquency rate: 1.1%
Average student loan delinquency rate: 8.4%
28. New Mexico
Credit card debt per capita: $3,520
Mortgage debt per capita: $31,940
Student loan debt per capita: $3,900
Total debt per capita: $49,260
Average credit card delinquency rate: 11.9%
Average mortgage debt delinquency rate: 1%
Average student loan delinquency rate: 7.9%
29. Connecticut
Credit card debt per capita: $4,960
Mortgage debt per capita: $48,380
Student loan debt per capita: $6,470
Total debt per capita: $67,530
Average credit card delinquency rate: 10.5%
Average mortgage debt delinquency rate: 1%
Average student loan delinquency rate: 9.1%
30. Pennsylvania
Credit card debt per capita: $3,950
Mortgage debt per capita: $31,540
Student loan debt per capita: $6,450
Total debt per capita: $50,360
Average credit card delinquency rate: 12.3%
Average mortgage debt delinquency rate: 1.1%
Average student loan delinquency rate: 7.8%
31. Arkansas
Credit card debt per capita: $3,310
Mortgage debt per capita: $25,550
Student loan debt per capita: $4,890
Total debt per capita: $43,090
Average credit card delinquency rate: 13.8%
Average mortgage debt delinquency rate: 1.1%
Average student loan delinquency rate: 7.6%
32. Colorado
Credit card debt per capita: $4,910
Mortgage debt per capita: $72,210
Student loan debt per capita: $5,760
Total debt per capita: $92,690
Average credit card delinquency rate: 11.1%
Average mortgage debt delinquency rate: 0.8%
Average student loan delinquency rate: 7.5%
33. California
Credit card debt per capita: $5,000
Mortgage debt per capita: $69,660
Student loan debt per capita: $4,650
Total debt per capita: $87,850
Average credit card delinquency rate: 13.2%
Average mortgage debt delinquency rate: 0.6%
Average student loan delinquency rate: 7.5%
34. Illinois
Credit card debt per capita: $4,260
Mortgage debt per capita: $36,470
Student loan debt per capita: $5,940
Total debt per capita: $54,050
Average credit card delinquency rate: 11.6%
Average mortgage debt delinquency rate: 1.2%
Average student loan delinquency rate: 7.8%
35. West Virginia
Credit card debt per capita: $3,180
Mortgage debt per capita: $20,770
Student loan debt per capita: $4,240
Total debt per capita: $37,850
Average credit card delinquency rate: 13.7%
Average mortgage debt delinquency rate: 1.2%
Average student loan delinquency rate: 10.8%
36. Oklahoma
Credit card debt per capita: $3,460
Mortgage debt per capita: $26,000
Student loan debt per capita: $4,490
Total debt per capita: $43,170
Average credit card delinquency rate: 13.3%
Average mortgage debt delinquency rate: 1.3%
Average student loan delinquency rate: 8.8%
37. New Jersey
Credit card debt per capita: $5,160
Mortgage debt per capita: $49,650
Student loan debt per capita: $6,540
Total debt per capita: $69,550
Average credit card delinquency rate: 11.4%
Average mortgage debt delinquency rate: 1.1%
Average student loan delinquency rate: 7.3%
38. New York
Credit card debt per capita: $4,820
Mortgage debt per capita: $41,110
Student loan debt per capita: $6,060
Total debt per capita: $59,420
Average credit card delinquency rate: 12.9%
Average mortgage debt delinquency rate: 1.4%
Average student loan delinquency rate: 7.7%
39. Arizona
Credit card debt per capita: $4,530
Mortgage debt per capita: $51,800
Student loan debt per capita: $4,960
Total debt per capita: $70,850
Average credit card delinquency rate: 13.7%
Average mortgage debt delinquency rate: 0.9%
Average student loan delinquency rate: 8.1%
40. North Carolina
Credit card debt per capita: $4,160
Mortgage debt per capita: $41,240
Student loan debt per capita: $5,630
Total debt per capita: $61,070
Average credit card delinquency rate: 12.5%
Average mortgage debt delinquency rate: 0.9%
Average student loan delinquency rate: 10.7%
41. Alabama
Credit card debt per capita: $3,400
Mortgage debt per capita: $29,890
Student loan debt per capita: $5,470
Total debt per capita: $48,910
Average credit card delinquency rate: 12.2%
Average mortgage debt delinquency rate: 1.2%
Average student loan delinquency rate: 11.2%
42. Delaware
Credit card debt per capita: $4,520
Mortgage debt per capita: $46,450
Student loan debt per capita: $6,320
Total debt per capita: $66,170
Average credit card delinquency rate: 12.2%
Average mortgage debt delinquency rate: 1.1%
Average student loan delinquency rate: 9.3%
43. Nevada
Credit card debt per capita: $5,060
Mortgage debt per capita: $52,540
Student loan debt per capita: $4,480
Total debt per capita: $71,260
Average credit card delinquency rate: 16.3%
Average mortgage debt delinquency rate: 0.9%
Average student loan delinquency rate: 8.4%
44. South Carolina
Credit card debt per capita: $4,090
Mortgage debt per capita: $39,360
Student loan debt per capita: $6,120
Total debt per capita: $59,460
Average credit card delinquency rate: 13.4%
Average mortgage debt delinquency rate: 1.2%
Average student loan delinquency rate: 11.1%
45. Maryland
Credit card debt per capita: $5,090
Mortgage debt per capita: $59,910
Student loan debt per capita: $6,830
Total debt per capita: $81,390
Average credit card delinquency rate: 11.7%
Average mortgage debt delinquency rate: 1.1%
Average student loan delinquency rate: 8.2%
46. Texas
Credit card debt per capita: $4,620
Mortgage debt per capita: $39,230
Student loan debt per capita: $5,140
Total debt per capita: $60,020
Average credit card delinquency rate: 14.2%
Average mortgage debt delinquency rate: 1.2%
Average student loan delinquency rate: 9.5%
47. Florida
Credit card debt per capita: $5,050
Mortgage debt per capita: $41,600
Student loan debt per capita: $5,110
Total debt per capita: $61,890
Average credit card delinquency rate: 14.9%
Average mortgage debt delinquency rate: 1.4%
Average student loan delinquency rate: 9.2%
48. Mississippi
Credit card debt per capita: $3,030
Mortgage debt per capita: $21,690
Student loan debt per capita: $6,120
Total debt per capita: $41,450
Average credit card delinquency rate: 13.4%
Average mortgage debt delinquency rate: 1.7%
Average student loan delinquency rate: 13.4%
49. Georgia
Credit card debt per capita: $4,610
Mortgage debt per capita: $40,310
Student loan debt per capita: $7,120
Total debt per capita: $62,070
Average credit card delinquency rate: 13.9%
Average mortgage debt delinquency rate: 1.3%
Average student loan delinquency rate: 10.7%
50. Louisiana
Credit card debt per capita: $3,610
Mortgage debt per capita: $28,450
Student loan debt per capita: $6,010
Total debt per capita: $48,250
Average credit card delinquency rate: 14.2%
Average mortgage debt delinquency rate: 1.8%
Average student loan delinquency rate: 11.9%
Methodology: MoneyLion gathered data for each U.S. state including the total population, population ages 65 and over, total households, and median household income sourced from the U.S. Census 2024 5-Year ACS. The cost-of-living indexes were sourced from Missouri Economic and Research Information Center. Using the national average expenditure costs for all households, as sourced from the Bureau of Labor Statistics Consumer Expenditure Survey, the average expenditure costs for each state were calculated. The average single family home value was sourced from Zillow Home Value Index. Assuming a 10% down payment and using the national average 30-year fixed mortgage rate, as sourced from the Federal Reserve Economic Data, the average mortgage was calculated for each state. Using the average mortgage and expenditure costs, the average total cost of living was calculated for each state and included as supplemental information. Using the debt data from the NY Fed, debt per capita was sourced for each state across a variety of costs including [1] auto loan debt, [2] credit card debt, [3] mortgage debt, [4] student loan debt, [5] auto loan delinquency rate, [6] credit card delinquency rate, [7] mortgage delinquency rate, and [8] student loan delinquency rate. The [1] auto loan debt, [2] credit card debt, [3] mortgage debt, and [4] student loan debt were all scored and each weighted at 1.00. The [5] auto loan delinquency rate, [6] credit card delinquency rate, and [8] student loan delinquency rate were scored and weighted at 1.50. The [7] mortgage delinquency rate was scored and weighted at 2.00. All the scores were summed and sorted to show the states where Americans have their debt the most under control. All data is up to date as of Sept. 1, 2026.
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