Money

WalletHub  - American households have around $18.79 trillion in debt, and the personal-finance company WalletHub today released its new report on the States Where People Are the Most Delinquent on Debt to show where people are at the biggest risk of credit score damage and other negative consequences.

To highlight the places where people are having the most trouble paying their debts, WalletHub analyzed proprietary user data from Q1 2026 for each of the 50 states. In our ranking, we considered both the percentage of individual tradelines that were delinquent and the percentage of residents’ total loan balances that were delinquent.
 

Most Delinquent	Least Delinquent
1. Mississippi	41. Hawaii
2. Louisiana	42. Massachusetts
3. Arkansas	43. California
4. West Virginia	44. Washington
5. Alabama	45. Colorado
6. South Carolina	46. Wisconsin
7. Delaware	47. Montana
8. North Carolina	48. Utah
9. Tennessee	49. Vermont
10. Texas	50. Iowa

 
For the full report and to see where your state ranks