States Where Americans' Debt Is Increasing the Most
Debt isn’t just steadily increasing across the U.S., it has soared 70 to 100% over the past decade in 10 states, new MoneyLion data reveals.
Researchers at MoneyLion set out to uncover the states with the largest 10-year increase in debt (2015 to 2025) using The Federal Reserve Bank of New York Q4 2025 Household Debt and Credit Report. Each state’s average total debt, auto debt, credit card debt, mortgage debt and student loan debt was then compiled for 2015, 2020 and 2025.
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Then the five-year and 10-year change was calculated in dollar amounts, percent points and percentages for each debt statistic.
Key Findings
Four states have experienced the worst increases in overall debt. The total average debt has grown by more than 100% in two states: Idaho (106.5%) and Utah (104.4%). Texas (93%) and Nevada (90.6%) round out the top four for highest increases over a 10-year period.
Idaho also leads the nation with the worst auto debt and mortgage debt. The 10-year change in auto debt is 94.2%, or $4,528,776,600. Mortgage debt has increased to 120.3%, or $45,258,548,800 in the state.
Mortgage debt is substantially high in Utah and Texas. Over 10 years, this debt has increased to 112.8% in Utah and 108% in Texas.
Credit card debt has skyrocketed beyond 100% in five U.S. states. Nevada leads with a whopping 122.8% increase ($7,973,968,600 for the state). Credit card debt is also growing rapidly in Florida (114.2%), Texas (106.7%), Utah (106.3%) and South Carolina (104.2%).
Student loan debt has increased by more than 50% in four states: Nevada (61.6%), North Carolina (55.2%), Delaware (54%) and Texas (51.8%).
Which states have their debt most under control? Illinois (28.3%), Connecticut (26.4%) and Alaska (25.1%) have experienced the mildest increases of total debt over 10 years. Alaska has the least credit card debt (35.2%) of any U.S. state and mortgage debt has only changed by 26.6% in Connecticut. Wyoming (16.4%) has the lowest increase of auto debt and student loan debt has only grown by 4% in Iowa.
See where debt is increasing the most across America, ranked by states with the largest 10-year change in total average debt.
1. Idaho
5-year and 10-year change in total average debt: 46.9% and 106.5%
10-year change in auto debt (%): 94.2%
2015 and 2025 average credit card debt: $3,270,528,000 and $6,373,812,600
10-year change in credit card debt (%): 94.9%
10-year change in mortgage debt (%): 120.3%
10-year change in student loan debt (%): 26.2%
2. Utah
5-year and 10-year change in total average debt: 44.9% and 104.4%
10-year change in auto debt (%): 71.7%
2015 and 2025 average credit card debt: $5,699,971,200 and $11,761,434,000
10-year change in credit card debt (%): 106.3%
10-year change in mortgage debt (%): 112.8%
10-year change in student loan debt (%): 31.5%
3. Texas
5-year and 10-year change in total average debt: 43% and 93%
10-year change in auto debt (%): 62.7%
2015 and 2025 average credit card debt: $56,921,577,600 and $117,620,302,800
10-year change in credit card debt (%): 106.6%
10-year change in mortgage debt (%): 108%
10-year change in student loan debt (%): 51.8%
4. Nevada
5-year and 10-year change in total average debt: 38.4% and 90.6%
10-year change in auto debt (%): 73.6%
2015 and 2025 average credit card debt: $6,495,202,600 and $14,469,171,200
10-year change in credit card debt (%): 122.8%
10-year change in mortgage debt (%): 96.9%
10-year change in student loan debt (%): 61.6%
5. Florida
5-year and 10-year change in total average debt: 42.1% and 88.1%
10-year change in auto debt (%): 88.1%
2015 and 2025 average credit card debt: $50,448,807,600 and $108,042,730,000
10-year change in credit card debt (%): 114.2%
10-year change in mortgage debt (%): 99.8%
10-year change in student loan debt (%): 49.4%
6. South Carolina
5-year and 10-year change in total average debt: 38.3% and 81.7%
10-year change in auto debt (%): 83.8%
2015 and 2025 average credit card debt: $9,624,101,200 and $19,649,668,800
10-year change in credit card debt (%): 104.2%
10-year change in mortgage debt (%): 90.5%
10-year change in student loan debt (%): 49.3%
7. Arizona
5-year and 10-year change in total average debt: 39% and 81.4%
10-year change in auto debt (%): 66.8%
2015 and 2025 average credit card debt: $14,564,511,000 and $28,628,875,200
10-year change in credit card debt (%): 96.6%
10-year change in mortgage debt (%): 91.4%
10-year change in student loan debt (%): 35.3%
8. Tennessee
5-year and 10-year change in total average debt: 38.9% and 77.2%
10-year change in auto debt (%): 73.3%
2015 and 2025 average credit card debt: $12,330,957,800 and $23,322,618,200
10-year change in credit card debt (%): 89.1%
10-year change in mortgage debt (%): 87.4%
10-year change in student loan debt (%): 41.4%
9. Colorado
5-year and 10-year change in total average debt: 31.6% and 75%
10-year change in auto debt (%): 47.2%
2015 and 2025 average credit card debt: $13,984,165,000 and $24,812,095,800
10-year change in credit card debt (%): 77.4%
10-year change in mortgage debt (%): 84.2%
10-year change in student loan debt (%): 27.6%
10. North Carolina
5-year and 10-year change in total average debt: 36.8% and 72.1%
10-year change in auto debt (%): 64.5%
2015 and 2025 average credit card debt: $20,846,592,000 and $39,353,184,000
10-year change in credit card debt (%): 88.8%
10-year change in mortgage debt (%): 77.1%
10-year change in student loan debt (%): 55.2%
11. Washington
5-year and 10-year change in total average debt: 32% and 70.6%
10-year change in auto debt (%): 52%
2015 and 2025 average credit card debt: $18,566,694,400 and $31,817,779,200
10-year change in credit card debt (%): 71.4%
10-year change in mortgage debt (%): 78.9%
10-year change in student loan debt (%): 27.7%
12. Georgia
5-year and 10-year change in total average debt: 32% and 66.9%
10-year change in auto debt (%): 66.6%
2015 and 2025 average credit card debt: $22,456,115,000 and $43,970,548,800
10-year change in credit card debt (%): 95.8%
10-year change in mortgage debt (%): 72.6%
10-year change in student loan debt (%): 41.7%
13. Montana
5-year and 10-year change in total average debt: 29.5% and 65.8%
10-year change in auto debt (%): 57.6%
2015 and 2025 average credit card debt: $2,183,370,000 and $3,720,332,000
10-year change in credit card debt (%): 70.4%
10-year change in mortgage debt (%): 72%
10-year change in student loan debt (%): 23.3%
14. Arkansas
5-year and 10-year change in total average debt: 29.5% and 57.8%
10-year change in auto debt (%): 52.1%
2015 and 2025 average credit card debt: $4,812,826,000 and $8,541,786,000
10-year change in credit card debt (%): 77.5%
10-year change in mortgage debt (%): 60.2%
10-year change in student loan debt (%): 40.3%
15. Oregon
5-year and 10-year change in total average debt: 25.3% and 57.7%
10-year change in auto debt (%): 52%
2015 and 2025 average credit card debt: $9,098,128,000 and $15,129,184,200
10-year change in credit card debt (%): 66.3%
10-year change in mortgage debt (%): 63.7%
10-year change in student loan debt (%): 26.2%
16. Alabama
5-year and 10-year change in total average debt: 29.8% and 55.2%
10-year change in auto debt (%): 64.7%
2015 and 2025 average credit card debt: $8,533,895,000 and $14,929,944,000
10-year change in credit card debt (%): 75%
10-year change in mortgage debt (%): 58.8%
10-year change in student loan debt (%): 42.1%
17. Delaware
5-year and 10-year change in total average debt: 29.1% and 54.7%
10-year change in auto debt (%): 63.9%
2015 and 2025 average credit card debt: $2,298,903,600 and $4,202,424,800
10-year change in credit card debt (%): 82.8%
10-year change in mortgage debt (%): 54%
10-year change in student loan debt (%): 54%
18. South Dakota
5-year and 10-year change in total average debt: 28.1% and 53.6%
10-year change in auto debt (%): 51.7%
2015 and 2025 average credit card debt: $1,686,400,000 and $2,691,060,200
10-year change in credit card debt (%): 59.6%
10-year change in mortgage debt (%): 62%
10-year change in student loan debt (%): 15.7%
19. Indiana
5-year and 10-year change in total average debt: 28.3% and 53.5%
10-year change in auto debt (%): 56.8%
2015 and 2025 average credit card debt: $12,371,898,000 and $20,083,058,600
10-year change in credit card debt (%): 62.3%
10-year change in mortgage debt (%): 61.7%
10-year change in student loan debt (%): 13%
20. Nebraska
5-year and 10-year change in total average debt: 25.3% and 51%
10-year change in auto debt (%): 52.1%
2015 and 2025 average credit card debt: $3,688,394,800 and $6,019,142,000
10-year change in credit card debt (%): 63.2%
10-year change in mortgage debt (%): 56.3%
10-year change in student loan debt (%): 18.9%
21. Mississippi
5-year and 10-year change in total average debt: 23.9% and 49.8%
10-year change in auto debt (%): 62%
2015 and 2025 average credit card debt: $4,205,336,400 and $7,583,120,400
10-year change in credit card debt (%): 80.3%
10-year change in mortgage debt (%): 54.6%
10-year change in student loan debt (%): 29.9%
22. California
5-year and 10-year change in total average debt: 25.8% and 48.4%
10-year change in auto debt (%): 51.5%
2015 and 2025 average credit card debt: $92,637,093,600 and $168,095,600,000
10-year change in credit card debt (%): 81.5%
10-year change in mortgage debt (%): 51.1%
10-year change in student loan debt (%): 28.8%
23. Oklahoma
5-year and 10-year change in total average debt: 29.8% and 48.3%
10-year change in auto debt (%): 43.8%
2015 and 2025 average credit card debt: $6,966,564,600 and $11,856,797,200
10-year change in credit card debt (%): 70.2%
10-year change in mortgage debt (%): 53%
10-year change in student loan debt (%): 25%
24. Maine
5-year and 10-year change in total average debt: 25.3% and 48.1%
10-year change in auto debt (%): 68.5%
2015 and 2025 average credit card debt: $3,013,662,600 and $4,819,944,000
10-year change in credit card debt (%): 59.9%
10-year change in mortgage debt (%): 51.4%
10-year change in student loan debt (%): 24.1%
25. North Dakota
5-year and 10-year change in total average debt: 22.9% and 47.7%
10-year change in auto debt (%): 61.2%
2015 and 2025 average credit card debt: $1,575,679,200 and $2,555,568,400
10-year change in credit card debt (%): 62.2%
10-year change in mortgage debt (%): 58.4%
10-year change in student loan debt (%): 6%
26. Missouri
5-year and 10-year change in total average debt: 24.3% and 46.2%
10-year change in auto debt (%): 50.3%
2015 and 2025 average credit card debt: $12,044,649,800 and $19,162,616,000
10-year change in credit card debt (%): 59.1%
10-year change in mortgage debt (%): 50.5%
10-year change in student loan debt (%): 17.5%
27. Kentucky
5-year and 10-year change in total average debt: 24.1% and 45.8%
10-year change in auto debt (%): 62.6%
2015 and 2025 average credit card debt: $7,566,216,000 and $12,204,803,200
10-year change in credit card debt (%): 61.3%
10-year change in mortgage debt (%): 45.1%
10-year change in student loan debt (%): 36.3%
28. Massachusetts
5-year and 10-year change in total average debt: 21.6% and 43.6%
10-year change in auto debt (%): 38.2%
2015 and 2025 average credit card debt: $18,049,511,600 and $28,566,996,000
10-year change in credit card debt (%): 58.3%
10-year change in mortgage debt (%): 48.6%
10-year change in student loan debt (%): 20.6%
29. Louisiana
5-year and 10-year change in total average debt: 19.7% and 43.4%
10-year change in auto debt (%): 41%
2015 and 2025 average credit card debt: $8,214,240,000 and $13,973,299,200
10-year change in credit card debt (%): 70.1%
10-year change in mortgage debt (%): 45.9%
10-year change in student loan debt (%): 37.2%
30. Wisconsin
5-year and 10-year change in total average debt: 21.9% and 42.4%
10-year change in auto debt (%): 54.4%
2015 and 2025 average credit card debt: $11,473,856,000 and $17,426,700,000
10-year change in credit card debt (%): 51.9%
10-year change in mortgage debt (%): 42.8%
10-year change in student loan debt (%): 14.7%
31. New Hampshire
5-year and 10-year change in total average debt: 21.7% and 42.4%
10-year change in auto debt (%): 40.3%
2015 and 2025 average credit card debt: $3,712,982,000 and $5,807,430,000
10-year change in credit card debt (%): 56.4%
10-year change in mortgage debt (%): 46.9%
10-year change in student loan debt (%): 26.6%
32. Michigan
5-year and 10-year change in total average debt: 20.7% and 41.4%
10-year change in auto debt (%): 58%
2015 and 2025 average credit card debt: $19,883,491,000 and $32,240,216,000
10-year change in credit card debt (%): 62.2%
10-year change in mortgage debt (%): 43.5%
10-year change in student loan debt (%): 19.8%
33. Wyoming
5-year and 10-year change in total average debt: 27.6% and 40%
10-year change in auto debt (%): 16.4%
2015 and 2025 average credit card debt: $1,240,488,000 and $2,000,346,600
10-year change in credit card debt (%): 61.3%
10-year change in mortgage debt (%): 46.2%
10-year change in student loan debt (%): 5.5%
34. Kansas
5-year and 10-year change in total average debt: 23.1% and 39.9%
10-year change in auto debt (%): 40.3%
2015 and 2025 average credit card debt: $5,708,400,000 and $8,991,059,600
10-year change in credit card debt (%): 57.5%
10-year change in mortgage debt (%): 45.2%
10-year change in student loan debt (%): 12.5%
35. Rhode Island
5-year and 10-year change in total average debt: 21% and 39.6%
10-year change in auto debt (%): 48.8%
2015 and 2025 average credit card debt: $2,633,870,400 and $4,284,537,600
10-year change in credit card debt (%): 62.7%
10-year change in mortgage debt (%): 42.3%
10-year change in student loan debt (%): 28.4%
36. New Jersey
5-year and 10-year change in total average debt: 24.8% and 39.4%
10-year change in auto debt (%): 49.7%
2015 and 2025 average credit card debt: $26,804,434,800 and $42,728,515,200
10-year change in credit card debt (%): 59.4%
10-year change in mortgage debt (%): 42%
10-year change in student loan debt (%): 40.7%
37. New Mexico
5-year and 10-year change in total average debt: 23.1% and 39%
10-year change in auto debt (%): 52.9%
2015 and 2025 average credit card debt: $4,049,947,200 and $6,213,785,600
10-year change in credit card debt (%): 53.4%
10-year change in mortgage debt (%): 38.8%
10-year change in student loan debt (%): 15.5%
38. Ohio
5-year and 10-year change in total average debt: 21.2% and 38.7%
10-year change in auto debt (%): 50.9%
2015 and 2025 average credit card debt: $24,479,980,800 and $37,245,147,200
10-year change in credit card debt (%): 52.2%
10-year change in mortgage debt (%): 43.3%
10-year change in student loan debt (%): 12.7%
39. Minnesota
5-year and 10-year change in total average debt: 19.4% and 37.8%
10-year change in auto debt (%): 41.9%
2015 and 2025 average credit card debt: $13,171,831,200 and $19,511,259,600
10-year change in credit card debt (%): 48.1%
10-year change in mortgage debt (%): 42.2%
10-year change in student loan debt (%): 12%
40. West Virginia
5-year and 10-year change in total average debt: 22.4% and 37.8%
10-year change in auto debt (%): 56.7%
2015 and 2025 average credit card debt: $3,201,902,400 and $4,999,214,400
10-year change in credit card debt (%): 56.1%
10-year change in mortgage debt (%): 39.5%
10-year change in student loan debt (%): 11.8%
41. New York
5-year and 10-year change in total average debt: 21.7% and 37.7%
10-year change in auto debt (%): 40.2%
2015 and 2025 average credit card debt: $52,021,242,000 and $80,652,867,200
10-year change in credit card debt (%): 55%
10-year change in mortgage debt (%): 43.1%
10-year change in student loan debt (%): 23.6%
42. Iowa
5-year and 10-year change in total average debt: 19.7% and 37.3%
10-year change in auto debt (%): 40.2%
2015 and 2025 average credit card debt: $5,612,204,400 and $8,847,800,000
10-year change in credit card debt (%): 57.7%
10-year change in mortgage debt (%): 41.4%
10-year change in student loan debt (%): 4%
43. Pennsylvania
5-year and 10-year change in total average debt: 19.7% and 36.4%
10-year change in auto debt (%): 40.4%
2015 and 2025 average credit card debt: $30,135,348,000 and $45,452,887,000
10-year change in credit card debt (%): 50.8%
10-year change in mortgage debt (%): 39.7%
10-year change in student loan debt (%): 28.4%
44. Virginia
5-year and 10-year change in total average debt: 21.4% and 35.8%
10-year change in auto debt (%): 45.2%
2015 and 2025 average credit card debt: $23,871,854,800 and $36,259,727,400
10-year change in credit card debt (%): 51.9%
10-year change in mortgage debt (%): 36.3%
10-year change in student loan debt (%): 38.6%
45. Hawaii
5-year and 10-year change in total average debt: 16.7% and 35.1%
10-year change in auto debt (%): 29.9%
2015 and 2025 average credit card debt: $3,746,211,200 and $6,128,906,400
10-year change in credit card debt (%): 63.6%
10-year change in mortgage debt (%): 33.7%
10-year change in student loan debt (%): 31.2%
46. Maryland
5-year and 10-year change in total average debt: 17.4% and 32.1%
10-year change in auto debt (%): 38.7%
2015 and 2025 average credit card debt: $17,045,042,000 and $27,518,881,400
10-year change in credit card debt (%): 61.5%
10-year change in mortgage debt (%): 32.2%
10-year change in student loan debt (%): 31.1%
47. Vermont
5-year and 10-year change in total average debt: 18.1% and 31.4%
10-year change in auto debt (%): 45.8%
2015 and 2025 average credit card debt: $1,482,893,200 and $2,161,816,000
10-year change in credit card debt (%): 45.8%
10-year change in mortgage debt (%): 33%
10-year change in student loan debt (%): 19.5%
48. Illinois
5-year and 10-year change in total average debt: 17.9% and 28.3%
10-year change in auto debt (%): 38.4%
2015 and 2025 average credit card debt: $29,598,687,000 and $46,766,450,400
10-year change in credit card debt (%): 58%
10-year change in mortgage debt (%): 28.3%
10-year change in student loan debt (%): 22.3%
49. Connecticut
5-year and 10-year change in total average debt: 18.2% and 26.4%
10-year change in auto debt (%): 45%
2015 and 2025 average credit card debt: $10,408,302,800 and $16,003,241,600
10-year change in credit card debt (%): 53.8%
10-year change in mortgage debt (%): 26.6%
10-year change in student loan debt (%): 37.1%
50. Alaska
5-year and 10-year change in total average debt: 17% and 25.1%
10-year change in auto debt (%): 17.2%
2015 and 2025 average credit card debt: $2,165,486,400 and $2,928,345,000
10-year change in credit card debt (%): 35.2%
10-year change in mortgage debt (%): 27.4%
10-year change in student loan debt (%): 8%
Methodology: For this study, MoneyLion analyzed the total debt in each U.S. state for 2025, 2020, and 2015 to find out which state has the largest increase in average debt. For each state a number of factors were found including total population, population ages 65 and over, unemployment rate for civilian labor force ages 16 and up, total households, median household income for all homes, mean household income for all homes, median household income for family homes, mean household income for all homes, and per capita income all sourced from the U.S. Census 2024 ACS. Using the NY Fed's 2025 Quarterly Report on Household Debt and Credit, the average total debt, auto debt, auto delinquency rate, credit card debt, credit card delinquency rate, mortgage debt, mortgage delinquency rate, student loan debt, and student loan delinquency rate for each state was sourced for 2015, 2020, and 2025. The 5-year change and 10-year change in dollar amounts, percent points, and percentages were calculated for each debt statistic. The states were sorted to show the largest 10-year percentage increase in total average debt. All data is up to date as of September 9th, 2026.
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
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