Student Loan Debt vs Credit Card & Mortgage Debt (Compared)

Report Highlights. Student loan debt is the 2^nd largest consumer debt balance in the United States (after mortgages), with auto loan debt not far behind.

42.6 million Americans owe federal student loan debt; the average balance is $40,467 as of the second quarter (Q2) in 2026.
$63,540 is the average nationwide household debt per capita as of 2026 Q1.
Student loans totaled $1.866 trillion in 2026 Q1; this represents 9.85% of all household debt.
Mortgage debt totaled $13.161 trillion in 2026 Q1 while auto loan debt totaled $1.623 trillion.

Bar graph: National Household Debt by Type according to the U.S. Board of Governors and the Federal Reserve Bank of New York

Student Loans vs. Household Debt

Student loan debt as a share of household debt has more than doubled in the last 20 years.

Federal student loan borrowers owe $1.724 trillion as of 2026 Q2.
Household debt nationwide totaled $18.939 trillion in 2026 Q1.
The average federal student loan debt per borrower was $39,633 in 2026 Q1, which was equivalent to 62.4% of nationwide household debt per capita.
In total, federal student loans represent 8.96% of household debt as of 2026 Q1.
In 2006 Q1, student loans represented 4.61% of household debt.
For every resident with a credit history, student loan debt averages $6,262 as of 2025 Q4.

Bar graph: Average Household Debt according to the U.S. Board of Governors and the Federal Reserve Bank of New York

Student Loan vs Mortgage Debt

Mortgages represent the largest share of American debt. Collectively, Americans have over six (6) times more mortgage debt than they do student loans.

Mortgage debt grew three (3) times as fast as student loan debt from 2020 to 2026.
From 2010 through 2020 inclusive, student loan debt had a CAGR of 7.44% while mortgages increased at a CAGR of 1.21%.
The average federal student loan debt per borrower represents 91.3% of the average mortgage debt per capita.
As a share of the average mortgage debt per account, federal student loan debt represents 26.13%.
The average mortgage account balance is $151,673 as of 2026 Q1.
69.6% of household debt is mortgage debt.
Per capita mortgage debt is $44,300 as of 2025 Q4.
Among 86.64 million homeowning American households, 59.7% have outstanding mortgage debt.
The average student loan payment is about $434.
The average monthly mortgage payment increased 3.83% in 2024 to $2,035 (up from $1,960 in 2023).

Line graph: Annual Student Loan vs. Mortgage Debt Growth according to the U.S. Board of Governors and the Federal Reserve Bank of New York

Student Loan vs Auto Loan Debt

Auto loans make up the third largest form of the national debt, directly behind student loan debts.

Auto loan debt grew 146% faster than student loan debt from 2020 to 2026.
Auto loans represent 8.57% of household debt.
The average auto loan debt is $15,582 per account in 2026 Q1, representing 39.3% of the average federal student loan balance.
While the average auto loan per capita is $5,660, the average balance among unique borrowers was $24,297 in 2024.
Student loan debt per capita is equivalent to 96.5% of auto loan debt per capita as of 2025 Q4.
From 2010 through 2020 inclusive, auto loan debt had a 5.53% CAGR.
Student loan debt grew 34.5% faster than auto loan debt from 2010 to 2020.

Line graph: Annual Student vs. Auto Loan Debt Growth according to the U.S. Board of Governors and the Federal Reserve Bank of New York

Student Loan vs Credit Card Debt

Credit cards represent the fourth largest share of collective household debt.

Credit card debt grew two-and-a-half times faster than student loan debt from 2020 to 2026.
The average credit card balance per account is $1,932 in 2026 Q1, representing % of the average federal student loan balance.
Credit cards represent 6.61% of all household debt.
U.S. credit card debt totals $1.252 trillion as of 2026 Q1.
The average credit card balance per account is $1,932 in 2026 Q1.
Credit card debt per capita (not per cardholder) is $4,350.

Line graph: Annual Student Loan vs. Credit Card Debt Growth according to the U.S. Board of Governors and the Federal Reserve Bank of New York

Student Loan vs Home Equity Loan Debt

The least common form of debt, home equity loan balances per account are much higher than credit cards or auto loans.

Americans have $446 billion in collective home equity lines of credit (i.e. loan debt) as of 2026 Q1.
Home equity lines of credit (HELOC) represent 2.35% of household debt.
HELOC debt grew 34.1% faster than student loan debt from 2020 to 2026.

Pie chart: Share of National Household Debt by Type according to the U.S. Board of Governors and the Federal Reserve Bank of New York

Student Loan vs Miscellaneous Debt

Other forms of debt may include personal loans, debt consolidations, and secured loans (loans with collateral).

Miscellaneous household debt (i.e. any debt not covered by the previous categories) totals $562 billion in 2026 Q1,
Other debts represent 2.97% of all household debt.
Other forms of debt grew 173% faster than student loan debt from 2020 to 2026.

Line graph: Household Debt Quarterly Growth by Type according to the U.S. Board of Governors and the Federal Reserve Bank of New York

Student Loan vs Other Debt by Age

Student loan borrowers tend to reduce their outstanding balances as they age and take on other types of debt.

30- to 39-year-olds owe the largest share of student loan debt (27.9%) though 40- to 49-year-olds have the largest share of total household debt (25.9%).
Student loans represent the largest share of debt among 18- to 29-year-olds (27.1%; for all other age groups, student loans represent less than 13.2% of their collective household debt).
Borrowers ages 70 years and older have the smallest share of total student loan debt (2.14%).
Also among borrowers aged 70 and older, student loans represent the smallest share of their household debt (2.15%).
Mortgages represent the largest share of debt among all age groups.

Pie chart: Share of National Household Debt by Age Group according to the Federal Reserve Bank of New York

Debt at 18 to 29 Years

Borrowers aged 18 to 29 years have the least amount of debt among all age groups, owing a collective $1.05 trillion in 2026 Q1.

18- to 29-year-olds owe a collective $300 billion in student loan debt.
16.1% of all student loan debt belongs to 18- to 29-year-olds.
18- to 29-year-olds owe $450 billion in mortgage debt ($150 billion more than they owe in student loans).
Mortgage debt among 18- to 29-year-olds is 50.0% larger than student loan debt.
18- to 29-year-olds owe $190 billion in auto loans and $80 billion in credit card debt.
Other types of debt (personal loans, auto equity, etc.) total $30 billion among borrowers aged 18 to 29.
A negligible amount of home equity lines of credit (HELOCs) belong to 18- to 29-year-olds.

Debt at 30 to 39 Years

Borrowers aged 30 to 39 years owe a collective $3.94 trillion in 2026 Q1.

30- to 39-year-olds owe a collective $520 billion in student loan debt.
$2.70 trillion in mortgage debt ($2.18 trillion more than student loans) belongs to 30- to 39-year-olds.
Mortgage debt among 30- to 39-year-olds is four (4) times larger than student loan debt.
30- to 39-year-olds owe $370 billion in auto loans and $220 billion in credit card debt.
Other types of debt (personal loans, auto equity, etc.) total $90 billion among borrowers aged 30 to 39.
30- to 39-year-olds have HELOC valued at $30 billion total.

Debt at 40 to 49 Years

Borrowers aged 40 to 49 years have the largest amount of debt, owing a collective $4.91 trillion in 2026 Q1.

40- to 49-year-olds owe a collective $390 billion in student loan debt.
20.9% of all student loan debt belongs to 40- to 49-year-olds.
40- to 49-year-olds owe $3.60 trillion in mortgage debt ($3.21 trillion more than student loans).
Mortgage debt among 40- to 49-year-olds is 8.23 times larger than student loan debt.
40- to 49-year-olds owe $400 billion in auto loans and $290 billion in credit card debt.
HELOC borrowing totals $100 billion among 40- to 49-year-olds.
Other types of debt (personal loans, auto equity, etc.) total $130 billion among borrowers aged 40 to 49.

Debt at 50 to 59 Years

Borrowers aged 50 to 59 years owe a collective $4.19 trillion in 2026 Q1.

50- to 59-year-olds owe a collective $260 billion in student loan debt.
13.9% of all student loan debt belongs to 50- to 59-year-olds.
50- to 59-year-olds owe $3.04 billion in mortgage debt ($2.78 trillion more than student loans).
Mortgage debt among 50- to 59-year-olds is 10.7 times larger than student loan debt.
50- to 59-year-olds owe $350 billion in auto loans and $280 billion in credit card debt.
HELOC borrowing totals $130 billion among 50- to 59-year-olds.
Other types of debt (personal loans, auto equity, etc.) total $130 billion among borrowers aged 50 to 59.

Debt at 60 to 69 Years

Borrowers aged 60 to 69 years owe a collective $2.80 trillion in 2026 Q1.

60- to 69-year-olds owe a collective $130 billion in student loan debt.
6.97% of all student loan debt belongs to 60- to 69-year-olds.
60- to 69-year-olds owe $2.02 trillion in mortgage debt ($1.89 trillion more than student loans).
Mortgage debt among 60- to 69-year-olds is more than 14.5 times larger than student loan debt.
60- to 69-year-olds owe $230 billion in auto loans and $210 billion in credit card debt.
HELOC borrowing totals $110 billion among 60- to 69-year-olds.
Other types of debt (personal loans, auto equity, etc.) total $100 billion among borrowers aged 60 to 69.

Debt at 70+ Years

Borrowers aged 70+ years owe a collective $1.86 trillion in 2026 Q1.

Borrowers 70 and older owe a collective $40 billion in student loan debt.
Borrowers aged 70+ owe $1.36 trillion in mortgage debt ($1.32 trillion more than student loans).
Mortgage debt among borrowers 70 years and older is 33 times larger than student loan debt.
Borrowers aged 70+ owe $140 billion in auto loans and $170 billion in credit card debt.
HELOC borrowing totals $80 billion among borrowers 70 years and older.
Other types of debt (personal loans, auto equity, etc.) total $70 billion among borrowers aged 70+.

National map: Student Loan Debt as a Percentage of Household Debt by State according to the Federal Reserve Bank of New York

Student Loan vs Other Debt by State

Homeownership and education attainment can vary drastically by geographic location; all data comes from 2025 Q4 unless otherwise noted.

Student loans account for the largest percentage of household debt per capita in Mississippi (14.76%).
Also in Pennsylvania (12.81%), Ohio (12.53%), and Louisiana (12.46%), student loan debt represents a relatively high percentage of all household debt per capita.
Student loans represent the smallest percentage of household debt per capita in Hawaii (4.56%).
Also in Utah (4.78%), Washington (4.95%), and California (5.29%), student loan debt represents a relatively low percentage of all household debt per capita.

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Alabama Student Loan vs Other Debt

Student loans represent 11.18% of Alabama’s household debt.

Federal student loan borrowers in Alabama owe $26.0 billion as of 2026 Q1.
Among 664,000 federal loan borrowers in Alabama, the average student debt is $39,157.
Per every Alabama resident with a credit history, the student loan debt averages $5,470 as of 2025 Q4.
Total household debt in Alabama is $48,910 per capita.
Alabama’s per capita mortgage debt is $29,890 in 2025 Q4.
Among 1.46 million homeowning Alabama households, 53.5% have outstanding mortgage debt.
While Alabama’s average auto loan per capita is $6,370, the average balance among auto loan borrowers was $25,828 in 2024.
Credit card debt per capita in Alabama is $3,400.

Alaska Student Loan vs Other Debt

Student loans represent 5.56% of Alaska’s household debt.

Federal student loan borrowers in Alaska owe $2.4 billion as of 2026 Q1.
Among 64,500 federal loan borrowers in Alaska, the average student debt is $37,209.
Per every Alaska resident with a credit history, the student loan debt averages $3,960 as of 2025 Q4.
Total household debt in Alaska is $69,460 per capita.
Alaska’s per capita mortgage debt is $51,070 as of 2025 Q4.
Among 182,292 homeowning Alaska households, 60.4% have outstanding mortgage debt.
While Alaska’s average auto loan per capita is $5,790, the average balance among auto loan borrowers was $27,246 in 2024.
Credit card debt per capita in Alaska is $5,250.

Arizona Student Loan vs Other Debt

Student loans represent 7.00% of Arizona’s household debt.

Federal student loan borrowers in Arizona owe $34.0 billion as of 2026 Q1.
Among 916,100 federal loan borrowers in Arizona, the average student debt is $37,114.
Per every Arizona resident with a credit history, the student loan debt averages $4,960 as of 2025 Q4.
Total household debt in Arizona is $70,850 per capita.
Arizona’s per capita mortgage debt is $51,800 as of 2025 Q4.
Among 2.021 million homeowning Arizona households, 60.6% have mortgages outstanding.
While Arizona’s average auto loan per capita is $6,130, the average balance among auto loan borrowers was $26,474 in 2024.
Credit card debt per capita in Arizona is $4,530.

Arkansas Student Loan vs Other Debt

Student loans represent 11.35% of Arkansas’ household debt.

Federal student loan borrowers in Arkansas owe $14.5 billion as of 2026 Q1.
Among 408,400 federal loan borrowers in Arkansas, the average student debt is $35,504.
Per every Arkansas resident with a credit history, the student loan debt averages $4,890 as of 2025 Q4.
Total household debt in Arkansas is $43,090 per capita.
Arkansas’ per capita mortgage debt is $25,550 as of 2025 Q4.
Among 836,697 homeowning Arkansas households, 52.4% have mortgages outstanding.
While Arkansas’ average auto loan per capita is $6,420, the average balance among auto loan borrowers was $26,742 in 2024.
Credit card debt per capita in Arkansas is $3,310.

California Student Loan vs Other Debt

Student loans represent 5.29% of California’s household debt.

Federal student loan borrowers in California owe $156.7 billion as of 2026 Q1.
Among 3.92 million federal loan borrowers in California, the average student debt is $39,980.
Per every California resident with a credit history, the student loan debt averages $4,650 as of 2025 Q4.
Total household debt in California is $87,850 per capita.
California’s per capita mortgage debt is $69,660 as of 2025 Q4.
Among 7.702 million homeowning California households, 66.1% have mortgages outstanding.
While California’s average auto loan per capita is $5,210, the average balance among auto loan borrowers was $25,196 in 2024.
Credit card debt per capita in California is $5,000.

Colorado Student Loan vs Other Debt

Student loans represent 6.21% of Colorado’s household debt.

Federal student loan borrowers in Colorado owe $29.7 billion as of 2026 Q1.
Among 764,600 federal loan borrowers in Colorado, the average student debt is $38,844.
Per every Colorado resident with a credit history, the student loan debt averages $5,760 as of 2025 Q4.
Total household debt in Colorado is $92,690 per capita.
Colorado’s per capita mortgage debt is $72,210 as of 2025 Q4.
Among 1.635 million homeowning Colorado households, 69.0% have mortgages outstanding.
While Colorado’s average auto loan per capita is $5,340, the average balance among auto loan borrowers was $24,381 in 2024.
Credit card debt per capita in Colorado is $4,910.

Connecticut Student Loan vs Other Debt

Student loans represent 9.58% of Connecticut’s household debt.

Federal student loan borrowers in Connecticut owe $19.8 billion as of 2026 Q1.
Among 515,400 federal loan borrowers in Connecticut, the average student debt is $38,417.
Per every Connecticut resident with a credit history, the student loan debt averages $6,470 as of 2025 Q4.
Total household debt in Connecticut is $67,530 per capita.
Connecticut’s per capita mortgage debt is $48,380 as of 2025 Q4.
Among 970,236 homeowning Connecticut households, 62.9% have mortgages outstanding.
While Connecticut’s average auto loan per capita is $4,460, the average balance among auto loan borrowers was $20,096 in 2024.
Credit card debt per capita in Connecticut is $4,960.

Delaware Student Loan vs Other Debt

Student loans represent 9.55% of Delaware’s household debt.

Federal student loan borrowers in Delaware owe $5.6 billion as of 2026 Q1.
Among 137,800 federal loan borrowers in Delaware, the average student debt is $40,639.
Per every Delaware resident with a credit history, the student loan debt averages $6,320 as of 2025 Q4.
Total household debt in Delaware is $66,170 per capita.
Delaware’s per capita mortgage debt is $46,450 as of 2025 Q4.
Among 304,189 homeowning Delaware households, 62.8% have mortgages outstanding.
While Delaware’s average auto loan per capita is $5,650, the average balance among auto loan borrowers was $22,921 in 2024.
Credit card debt per capita in Delaware is $4,520.

District of Columbia Student Loan vs Other Debt

Student loans represent 12.35% of D.C.’s household debt.

Federal student loan borrowers in D.C. owe $6.4 billion as of 2026 Q1.
Among 114,600 federal loan borrowers in D.C., the average student debt is $55,846.
Per every D.C. resident with a credit history, the student loan debt averages $12,650 as of 2025 Q4.
Total household debt in D.C. is $102,400 per capita.
D.C.’s per capita mortgage debt is $78,140 as of 2025 Q4.
Among 134,836 homeowning D.C. households, 74.3% have mortgages outstanding.
While D.C.’s average auto loan per capita is $3,350, the average balance among auto loan borrowers was $21,137 in 2024.
Credit card debt per capita in D.C. is $5,500.

Florida Student Loan vs Other Debt

Student loans represent 8.26% of Florida’s household debt.

Federal student loan borrowers in Florida owe $113.1 billion as of 2026 Q1.
Among 2.748 million federal loan borrowers in Florida, the average student debt is $41,162.
Per every Florida resident with a credit history, the student loan debt averages $5,110 as of 2025 Q4.
Total household debt in Florida is $61,890 per capita.
Florida’s per capita mortgage debt is $41,600 as of 2025 Q4.
Among 6.22 million homeowning Florida households, 55.8% have mortgages outstanding.
While Florida’s average auto loan per capita is $6,570, the average balance among auto loan borrowers was $25,617 in 2024.
Credit card debt per capita in Florida is $5,050.

Georgia Student Loan vs Other Debt

Student loans represent 11.47% of Georgia’s household debt.

Federal student loan borrowers in Georgia owe $74.6 billion as of 2026 Q1.
Among 1.703 million federal loan borrowers in Georgia, the average student debt is $43,813.
Per every Georgia resident with a credit history, the student loan debt averages $7,120 as of 2025 Q4.
Total household debt in Georgia is $62,070 per capita.
Georgia’s per capita mortgage debt is $40,310 as of 2025 Q4.
Among 2.798 million homeowning Georgia households, 62.7% have mortgages outstanding.
While Georgia’s average auto loan per capita is $6,490, the average balance among auto loan borrowers was $26,175 in 2024.
Credit card debt per capita in Georgia is $4,610.

Hawaii Student Loan vs Other Debt

Student loans represent 4.56% of Hawaii’s household debt.

Federal student loan borrowers in Hawaii owe $4.9 billion as of 2026 Q1.
Among 121,000 federal loan borrowers in Hawaii, the average student debt is $40,496.
Per every Hawaii resident with a credit history, the student loan debt averages $3,810 as of 2025 Q4.
Total household debt in Hawaii is $83,480 per capita.
Hawaii’s per capita mortgage debt is $63,810 as of 2025 Q4.
Among 304,026 homeowning Hawaii households, 60.7% have mortgages outstanding.
While Hawaii’s average auto loan per capita is $3,990, the average balance among auto loan borrowers was $23,915 in 2024.
Credit card debt per capita in Hawaii is $5,220.

Idaho Student Loan vs Other Debt

Student loans represent 6.45% of Idaho’s household debt.

Federal student loan borrowers in Idaho owe $7.5 billion as of 2026 Q1.
Among 216,500 federal loan borrowers in Idaho, the average student debt is $34,642.
Per every Idaho resident with a credit history, the student loan debt averages $4,480 as of 2025 Q4.
Total household debt in Idaho is $69,450 per capita.
Idaho’s per capita mortgage debt is $50,320 as of 2025 Q4.
Among 538,468 homeowning Idaho households, 60.4% have mortgages outstanding.
While Idaho’s average auto loan per capita is $5,670, the average balance among auto loan borrowers was $25,254 in 2024.
Credit card debt per capita in Idaho is $3,870.

Illinois Student Loan vs Other Debt

Student loans represent 10.99% of Illinois’s household debt.

Federal student loan borrowers in Illinois owe $65.3 billion as of 2026 Q1.
Among 1.60 billion federal loan borrowers in Illinois, the average student debt is $40,774.
Per every Illinois resident with a credit history, the student loan debt averages $5,940 as of 2025 Q4.
Total household debt in Illinois is $54,050 per capita.
Illinois’s per capita mortgage debt is $36,470 as of 2025 Q4.
Among 3.45 million homeowning Illinois households, 59.7% have mortgages outstanding.
While Illinois’s average auto loan per capita is $4,880, the average balance among auto loan borrowers was $22,860 in 2024.
Credit card debt per capita in Illinois is $4,260.

Indiana Student Loan vs Other Debt

Student loans represent 9.79% of Indiana’s household debt.

Federal student loan borrowers in Indiana owe $31.0 billion as of 2026 Q1.
Among 898,500 federal loan borrowers in Indiana, the average student debt is $34,502.
Per every Indiana resident with a credit history, the student loan debt averages $4,830 as of 2025 Q4.
Total household debt in Indiana is $49,330 per capita.
Indiana’s per capita mortgage debt is $32,520 as of 2025 Q4.
Among 1.963 million homeowning Indiana households, 62.5% have mortgages outstanding.
While Indiana’s average auto loan per capita is $5,220, the average balance among auto loan borrowers was $22,161 in 2024.
Credit card debt per capita in Indiana is $3,410.

Iowa Student Loan vs Other Debt

Student loans represent 9.98% of Iowa’s household debt.

Federal student loan borrowers in Iowa owe $13.5 billion as of 2026 Q1.
Among 423,400 federal loan borrowers in Iowa, the average student debt is $31,885.
Per every Iowa resident with a credit history, the student loan debt averages $4,730 as of 2025 Q4.
Total household debt in Iowa is $47,410 per capita.
Iowa’s per capita mortgage debt is $31,150 as of 2025 Q4.
Among 958,213 homeowning Iowa households, 58.1% have mortgages outstanding.
While Iowa’s average auto loan per capita is $5,130, the average balance among auto loan borrowers was $22,872 in 2024.
Credit card debt per capita in Iowa is $3,250.

Kansas Student Loan vs Other Debt

Student loans represent 11.11% of Kansas’s household debt.

Federal student loan borrowers in Kansas owe $13.1 billion as of 2026 Q1.
Among 379,300 federal loan borrowers in Kansas, the average student debt is $34,537.
Per every Kansas resident with a credit history, the student loan debt averages $5,190 as of 2025 Q4.
Total household debt in Kansas is $46,720 per capita.
Kansas’s per capita mortgage debt is $30,510 as of 2025 Q4.
Among 820,255 homeowning Kansas households, 57.0% have mortgages outstanding.
While Kansas’s average auto loan per capita is $4,930, the average balance among auto loan borrowers was $23,725 in 2024.
Credit card debt per capita in Kansas is $3,670.

Kentucky Student Loan vs Other Debt

Student loans represent 12.21% of Kentucky’s household debt.

Federal student loan borrowers in Kentucky owe $21.6 billion as of 2026 Q1.
Among 615,600 federal loan borrowers in Kentucky, the average student debt is $35,088.
Per every Kentucky resident with a credit history, the student loan debt averages $5,270 as of 2025 Q4.
Total household debt in Kentucky is $43,160 per capita.
Kentucky’s per capita mortgage debt is $26,280 as of 2025 Q4.
Among 1.271 million homeowning Kentucky households, 54.7% have mortgages outstanding.
While Kentucky’s average auto loan per capita is $5,080, the average balance among auto loan borrowers was $23,443 in 2024.
Credit card debt per capita in Kentucky is $3,140.

Louisiana Student Loan vs Other Debt

Student loans represent 12.46% of Louisiana’s household debt.

Federal student loan borrowers in Louisiana owe $25.1 billion as of 2026 Q1.
Among 694,000 federal loan borrowers in Louisiana, the average student debt is $36,167.
Per every Louisiana resident with a credit history, the student loan debt averages $6,010 as of 2025 Q4.
Total household debt in Louisiana is $48,250 per capita.
Louisiana’s per capita mortgage debt is $28,450 as of 2025 Q4.
Among 1.259 million homeowning Louisiana households, 51.8% have mortgages outstanding.
While Louisiana’s average auto loan per capita is $7,000, the average balance among auto loan borrowers was $27,828 in 2024.
Credit card debt per capita in Louisiana is $3,610.

Maine Student Loan vs Other Debt

Student loans represent 9.97% of Maine’s household debt.

Federal student loan borrowers in Maine owe $6.7 billion as of 2026 Q1.
Among 186,600 federal loan borrowers in Maine, the average student debt is $35,906.
Per every Maine resident with a credit history, the student loan debt averages $5,320 as of 2025 Q4.
Total household debt in Maine is $53,360 per capita.
Maine’s per capita mortgage debt is $34,340 as of 2025 Q4.
Among 451,090 homeowning Maine households, 55.5% have mortgages outstanding.
While Maine’s average auto loan per capita is $5,860, the average balance among auto loan borrowers was $22,018 in 2024.
Credit card debt per capita in Maine is $3,760.

Maryland Student Loan vs Other Debt

Student loans represent 8.39% of Maryland’s household debt.

Federal student loan borrowers in Maryland owe $38.4 billion as of 2026 Q1.
Among 842,300 federal loan borrowers in Maryland, the average student debt is $45,589.
Per every Maryland resident with a credit history, the student loan debt averages $6,830 as of 2025 Q4.
Total household debt in Maryland is $81,390 per capita.
Maryland’s per capita mortgage debt is $59,910 as of 2025 Q4.
Among 1.628 million homeowning Maryland households, 70.0% have mortgages outstanding.
While Maryland’s average auto loan per capita is $5,850, the average balance among auto loan borrowers was $24,253 in 2024.
Credit card debt per capita in Maryland is $5,090.

Massachusetts Student Loan vs Other Debt

Student loans represent 7.91% of Massachusetts’s household debt.

Federal student loan borrowers in Massachusetts owe $33.4 billion as of 2026 Q1.
Among 900,600 federal loan borrowers in Massachusetts, the average student debt is $37,086.
Per every Massachusetts resident with a credit history, the student loan debt averages $6,120 as of 2025 Q4.
Total household debt in Massachusetts is $77,400 per capita.
Massachusetts’s per capita mortgage debt is $58,200 as of 2025 Q4.
Among 1.765 million homeowning Massachusetts households, 65.5% have mortgages outstanding.
While Massachusetts’s average auto loan per capita is $4,310, the average balance among auto loan borrowers was $19,808 in 2024.
Credit card debt per capita in Massachusetts is $4,650.

Michigan Student Loan vs Other Debt

Student loans represent 11.86% of Michigan’s household debt.

Federal student loan borrowers in Michigan owe $53.2 billion as of 2026 Q1.
Among 1.377 million federal loan borrowers in Michigan, the average student debt is $38,626.
Per every Michigan resident with a credit history, the student loan debt averages $5,700 as of 2025 Q4.
Total household debt in Michigan is $48,050 per capita.
Michigan’s per capita mortgage debt is $30,600 as of 2025 Q4.
Among 3.305 million homeowning Michigan households, 56.5% have mortgages outstanding.
While Michigan’s average auto loan per capita is $4,960, the average balance among auto loan borrowers was $19,503 in 2024.
Credit card debt per capita in Michigan is $3,670.

Minnesota Student Loan vs Other Debt

Student loans represent 9.11% of Minnesota’s household debt.

Federal student loan borrowers in Minnesota owe $27.5 billion as of 2026 Q1.
Among 772,600 federal loan borrowers in Minnesota, the average student debt is $35,594.
Per every Minnesota resident with a credit history, the student loan debt averages $5,820 as of 2025 Q4.
Total household debt in Minnesota is $63,860 per capita.
Minnesota’s per capita mortgage debt is $46,300 as of 2025 Q4.
Among 1.692 million homeowning Minnesota households, 62.6% have mortgages outstanding.
While Minnesota’s average auto loan per capita is $4,570, the average balance among auto loan borrowers was $21,357 in 2024.
Credit card debt per capita in Minnesota is $3,990.

Mississippi Student Loan vs Other Debt

Student loans represent 14.76% of Mississippi’s household debt.

Federal student loan borrowers in Mississippi owe $17.8 billion as of 2026 Q1.
Among 456,300 federal loan borrowers in Mississippi, the average student debt is $39,009.
Per every Mississippi resident with a credit history, the student loan debt averages $6,120 as of 2025 Q4.
Total household debt in Mississippi is $41,450 per capita.
Mississippi’s per capita mortgage debt is $21,690 as of 2025 Q4.
Among 829,682 homeowning Mississippi households, 48.4% have mortgages outstanding.
While Mississippi’s average auto loan per capita is $6,680, the average balance among auto loan borrowers was $25,845 in 2024.
Credit card debt per capita in Mississippi is $3,030.

Missouri Student Loan vs Other Debt

Student loans represent 10.48% of Missouri’s household debt.

Federal student loan borrowers in Missouri owe $30.6 billion as of 2026 Q1.
Among 826,500 federal loan borrowers in Missouri, the average student debt is $37,024.
Per every Missouri resident with a credit history, the student loan debt averages $5,180 as of 2025 Q4.
Total household debt in Missouri is $49,420 per capita.
Missouri’s per capita mortgage debt is $32,450 as of 2025 Q4.
Among 1.757 million homeowning Missouri households, 58.8% have mortgages outstanding.
While Missouri’s average auto loan per capita is $5,150, the average balance among auto loan borrowers was $22,825 in 2024.
Credit card debt per capita in Missouri is $3,550.

Montana Student Loan vs Other Debt

Student loans represent 7.52% of Montana’s household debt.

Federal student loan borrowers in Montana owe $4.5 billion as of 2026 Q1.
Among 126,400 federal loan borrowers in Montana, the average student debt is $35,601.
Per every Montana resident with a credit history, the student loan debt averages $4,390 as of 2025 Q4.
Total household debt in Montana is $58,390 per capita.
Montana’s per capita mortgage debt is $40,740 as of 2025 Q4.
Among 321,733 homeowning Montana households, 54.1% have mortgages outstanding.
While Montana’s average auto loan per capita is $4,990, the average balance among auto loan borrowers was $24,052 in 2024.
Credit card debt per capita in Montana is $3,850.

Nebraska Student Loan vs Other Debt

Student loans represent 10.07% of Nebraska’s household debt.

Federal student loan borrowers in Nebraska owe $8.2 billion as of 2026 Q1.
Among 243,500 federal loan borrowers in Nebraska, the average student debt is $33,676.
Per every Nebraska resident with a credit history, the student loan debt averages $4,990 as of 2025 Q4.
Total household debt in Nebraska is $49,530 per capita.
Nebraska’s per capita mortgage debt is $33,170 as of 2025 Q4.
Among 549,417 homeowning Nebraska households, 57.8% have mortgages outstanding.
While Nebraska’s average auto loan per capita is $4,960, the average balance among auto loan borrowers was $22,598 in 2024.
Credit card debt per capita in Nebraska is $3,650.

Nevada Student Loan vs Other Debt

Student loans represent 6.29% of Nevada’s household debt.

Federal student loan borrowers in Nevada owe $13.2 billion as of 2026 Q1.
Among 367,900 federal loan borrowers in Nevada, the average student debt is $35,879.
Per every Nevada resident with a credit history, the student loan debt averages $4,480 as of 2025 Q4.
Total household debt in Nevada is $71,260 per capita.
Nevada’s per capita mortgage debt is $52,540 as of 2025 Q4.
Among 744,844 homeowning Nevada households, 65.3% have mortgages outstanding.
While Nevada’s average auto loan per capita is $6,230, the average balance among auto loan borrowers was $26,667 in 2024.
Credit card debt per capita in Nevada is $5,060.

New Hampshire Student Loan vs Other Debt

Student loans represent 8.95% of New Hampshire’s household debt.

Federal student loan borrowers in New Hampshire owe $6.8 billion as of 2026 Q1.
Among 187,800 federal loan borrowers in New Hampshire, the average student debt is $36,228.
Per every New Hampshire resident with a credit history, the student loan debt averages $5,950 as of 2025 Q4.
Total household debt in New Hampshire is $66,480 per capita.
New Hampshire’s per capita mortgage debt is $45,690 as of 2025 Q4.
Among 414,145 homeowning New Hampshire households, 60.6% have mortgages outstanding.
While New Hampshire’s average auto loan per capita is $5,930, the average balance among auto loan borrowers was $21,119 in 2024.
Credit card debt per capita in New Hampshire is $4,500.

New Jersey Student Loan vs Other Debt

Student loans represent 9.40% of New Jersey’s household debt.

Federal student loan borrowers in New Jersey owe $48.4 billion as of 2026 Q1.
Among 1.236 million federal loan borrowers in New Jersey, the average student debt is $39,174.
Per every New Jersey resident with a credit history, the student loan debt averages $6,540 as of 2025 Q4.
Total household debt in New Jersey is $69,550 per capita.
New Jersey’s per capita mortgage debt is $49,650 as of 2025 Q4.
Among 2.265 million homeowning New Jersey households, 62.9% have mortgages outstanding.
While New Jersey’s average auto loan per capita is $4,860, the average balance among auto loan borrowers was $21,436 in 2024.
Credit card debt per capita in New Jersey is $5,160.

New Mexico Student Loan vs Other Debt

Student loans represent 7.92% of New Mexico’s household debt.

Federal student loan borrowers in New Mexico owe $8.0 billion as of 2026 Q1.
Among 226,000 federal loan borrowers in New Mexico, the average student debt is $35,398.
Per every New Mexico resident with a credit history, the student loan debt averages $3,900 as of 2025 Q4.
Total household debt in New Mexico is $49,260 per capita.
New Mexico’s per capita mortgage debt is $31,940 as of 2025 Q4.
Among 608,986 homeowning New Mexico households, 49.4% have mortgages outstanding.
While New Mexico’s average auto loan per capita is $7,000, the average balance among auto loan borrowers was $29,098 in 2024.
Credit card debt per capita in New Mexico is $3,520.

New York Student Loan vs Other Debt

Student loans represent 10.20% of New York’s household debt.

Federal student loan borrowers in New York owe $99.9 billion as of 2026 Q1.
Among 2.457 million federal loan borrowers in New York, the average student debt is $40,666.
Per every New York resident with a credit history, the student loan debt averages $6,060 as of 2025 Q4.
Total household debt in New York is $59,420 per capita.
New York’s per capita mortgage debt is $41,110 as of 2025 Q4.
Among 4.253 million homeowning New York households, 56.8% have mortgages outstanding.
While New York’s average auto loan per capita is $4,320, the average balance among auto loan borrowers was $21,466 in 2024.
Credit card debt per capita in New York is $4,820.

North Carolina Student Loan vs Other Debt

Student loans represent 9.22% of North Carolina’s household debt.

Federal student loan borrowers in North Carolina owe $55.8 billion as of 2026 Q1.
Among 1.379 million federal loan borrowers in North Carolina, the average student debt is $40,455.
Per every North Carolina resident with a credit history, the student loan debt averages $5,630 as of 2025 Q4.
Total household debt in North Carolina is $61,070 per capita.
North Carolina’s per capita mortgage debt is $41,240 as of 2025 Q4.
Among 3.005 million homeowning North Carolina households, 60.5% have mortgages outstanding.
While North Carolina’s average auto loan per capita is $5,980, the average balance among auto loan borrowers was $24,160 in 2024.
Credit card debt per capita in North Carolina is $4,160.

North Dakota Student Loan vs Other Debt

Student loans represent 9.16% of North Dakota’s household debt.

Federal student loan borrowers in North Dakota owe $2.7 billion as of 2026 Q1.
Among 88,400 federal loan borrowers in North Dakota, the average student debt is $30,543.
Per every North Dakota resident with a credit history, the student loan debt averages $4,880 as of 2025 Q4.
Total household debt in North Dakota is $53,300 per capita.
North Dakota’s per capita mortgage debt is $34,410 as of 2025 Q4.
Among 213,886 homeowning North Dakota households, 51.3% have mortgages outstanding.
While North Dakota’s average auto loan per capita is $6,640, the average balance among auto loan borrowers was $25,462 in 2024.
Credit card debt per capita in North Dakota is $3,970.

Ohio Student Loan vs Other Debt

Student loans represent 12.53% of Ohio’s household debt.

Federal student loan borrowers in Ohio owe $64.3 billion as of 2026 Q1.
Among 1.771 million federal loan borrowers in Ohio, the average student debt is $36,311.
Per every Ohio resident with a credit history, the student loan debt averages $5,860 as of 2025 Q4.
Total household debt in Ohio is $46,780 per capita.
Ohio’s per capita mortgage debt is $28,700 as of 2025 Q4.
Among 3.351 million homeowning Ohio households, 59.7% have mortgages outstanding.
While Ohio’s average auto loan per capita is $5,410, the average balance among auto loan borrowers was $21,158 in 2024.
Credit card debt per capita in Ohio is $3,560.

Oklahoma Student Loan vs Other Debt

Student loans represent 10.40% of Oklahoma’s household debt.

Federal student loan borrowers in Oklahoma owe $17.1 billion as of 2026 Q1.
Among 510,700 federal loan borrowers in Oklahoma, the average student debt is $33,483.
Per every Oklahoma resident with a credit history, the student loan debt averages $4,490 as of 2025 Q4.
Total household debt in Oklahoma is $43,170 per capita.
Oklahoma’s per capita mortgage debt is $26,000 as of 2025 Q4.
Among 1.053 million homeowning Oklahoma households, 53.9% have mortgages outstanding.
While Oklahoma’s average auto loan per capita is $6,370, the average balance among auto loan borrowers was $26,822 in 2024.
Credit card debt per capita in Oklahoma is $3,460.

Oregon Student Loan vs Other Debt

Student loans represent 8.04% of Oregon’s household debt.

Federal student loan borrowers in Oregon owe $20.8 billion as of 2026 Q1.
Among 526,600 federal loan borrowers in Oregon, the average student debt is $39,499.
Per every Oregon resident with a credit history, the student loan debt averages $5,600 as of 2025 Q4.
Total household debt in Oregon is $69,640 per capita.
Oregon’s per capita mortgage debt is $52,060 as of 2025 Q4.
Among 1.101 million homeowning Oregon households, 63.4% have mortgages outstanding.
While Oregon’s average auto loan per capita is $4,360, the average balance among auto loan borrowers was $22,616 in 2024.
Credit card debt per capita in Oregon is $4,030.

Pennsylvania Student Loan vs Other Debt

Student loans represent 12.81% of Pennsylvania’s household debt.

Federal student loan borrowers in Pennsylvania owe $69.6 billion as of 2026 Q1.
Among 1.854 million federal loan borrowers in Pennsylvania, the average student debt is $37,542.
Per every Pennsylvania resident with a credit history, the student loan debt averages $6,450 as of 2025 Q4.
Total household debt in Pennsylvania is $50,360 per capita.
Pennsylvania’s per capita mortgage debt is $31,540 as of 2025 Q4.
Among 3.714 million homeowning Pennsylvania households, 56.7% have mortgages outstanding.
While Pennsylvania’s average auto loan per capita is $4,850, the average balance among auto loan borrowers was $21,186 in 2024.
Credit card debt per capita in Pennsylvania is $3,950.

Rhode Island Student Loan vs Other Debt

Student loans represent 9.37% of Rhode Island’s household debt.

Federal student loan borrowers in Rhode Island owe $5.1 billion as of 2026 Q1.
Among 149,700 federal loan borrowers in Rhode Island, the average student debt is $34,068.
Per every Rhode Island resident with a credit history, the student loan debt averages $5,630 as of 2025 Q4.
Total household debt in Rhode Island is $60,090 per capita.
Rhode Island’s per capita mortgage debt is $41,690 as of 2025 Q4.
Among 284,679 homeowning Rhode Island households, 65.6% have mortgages outstanding.
While Rhode Island’s average auto loan per capita is $4,380, the average balance among auto loan borrowers was $19,597 in 2024.
Credit card debt per capita in Rhode Island is $4,490.

South Carolina Student Loan vs Other Debt

Student loans represent 10.29% of South Carolina’s household debt.

Federal student loan borrowers in South Carolina owe $31.4 billion as of 2026 Q1.
Among 782,300 federal loan borrowers in South Carolina, the average student debt is $40,138.
Per every South Carolina resident with a credit history, the student loan debt averages $6,120 as of 2025 Q4.
Total household debt in South Carolina is $59,460 per capita.
South Carolina’s per capita mortgage debt is $39,360 as of 2025 Q4.
Among 1.607 million homeowning South Carolina households, 57.0% have mortgages outstanding.
While South Carolina’s average auto loan per capita is $6,050, the average balance among auto loan borrowers was $23,949 in 2024.
Credit card debt per capita in South Carolina is $4,090.

South Dakota Student Loan vs Other Debt

Student loans represent 9.22% of South Dakota’s household debt.

Federal student loan borrowers in South Dakota owe $3.7 billion as of 2026 Q1.
Among 116,700 federal loan borrowers in South Dakota, the average student debt is $31,705.
Per every South Dakota resident with a credit history, the student loan debt averages $4,820 as of 2025 Q4.
Total household debt in South Dakota is $52,270 per capita.
South Dakota’s per capita mortgage debt is $34,380 as of 2025 Q4.
Among 261,078 homeowning South Dakota households, 54.6% have mortgages outstanding.
While South Dakota’s average auto loan per capita is $5,370, the average balance among auto loan borrowers was $23,388 in 2024.
Credit card debt per capita in South Dakota is $3,530.

Tennessee Student Loan vs Other Debt

Student loans represent 9.03% of Tennessee’s household debt.

Federal student loan borrowers in Tennessee owe $34.6 billion as of 2026 Q1.
Among 894,900 federal loan borrowers in Tennessee, the average student debt is $38,664.
Per every Tennessee resident with a credit history, the student loan debt averages $5,120 as of 2025 Q4.
Total household debt in Tennessee is $56,690 per capita.
Tennessee’s per capita mortgage debt is $37,910 as of 2025 Q4.
Among 1.957 million homeowning Tennessee households, 56.5% have mortgages outstanding.
While Tennessee’s average auto loan per capita is $5,810, the average balance among auto loan borrowers was $25,414 in 2024.
Credit card debt per capita in Tennessee is $3,710.

Texas Student Loan vs Other Debt

Student loans represent 8.56% of Texas’s household debt.

Federal student loan borrowers in Texas owe $138.3 billion as of 2026 Q1.
Among 3.95 million federal loan borrowers in Texas, the average student debt is $35,014.
Per every Texas resident with a credit history, the student loan debt averages $5,140 as of 2025 Q4.
Total household debt in Texas is $60,020 per capita.
Texas’s per capita mortgage debt is $39,230 as of 2025 Q4.
Among 7.135 million homeowning Texas households, 55.5% have mortgages outstanding.
While Texas’s average auto loan per capita is $8,000, the average balance among auto loan borrowers was $29,760 in 2024.
Credit card debt per capita in Texas is $4,620.

Utah Student Loan vs Other Debt

Student loans represent 4.78% of Utah’s household debt.

Federal student loan borrowers in Utah owe $11.1 billion as of 2026 Q1.
Among 313,300 federal loan borrowers in Utah, the average student debt is $35,429.
Per every Utah resident with a credit history, the student loan debt averages $3,980 as of 2025 Q4.
Total household debt in Utah is $83,350 per capita.
Utah’s per capita mortgage debt is $63,650 as of 2025 Q4.
Among 824,019 homeowning Utah households, 68.0% have mortgages outstanding.
While Utah’s average auto loan per capita is $6,030, the average balance among auto loan borrowers was $24,103 in 2024.
Credit card debt per capita in Utah is $4,260.

Vermont Student Loan vs Other Debt

Student loans represent 10.72% of Vermont’s household debt.

Federal student loan borrowers in Vermont owe $2.9 billion as of 2026 Q1.
Among 74,800 federal loan borrowers in Vermont, the average student debt is $38,770.
Per every Vermont resident with a credit history, the student loan debt averages $5,670 as of 2025 Q4.
Total household debt in Vermont is $52,910 per capita.
Vermont’s per capita mortgage debt is $34,090 as of 2025 Q4.
Among 209,117 homeowning Vermont households, 57.8% have mortgages outstanding.
While Vermont’s average auto loan per capita is $6,110, the average balance among auto loan borrowers was $21,410 in 2024.
Credit card debt per capita in Vermont is $3,790.

Virginia Student Loan vs Other Debt

Student loans represent 7.92% of Virginia’s household debt.

Federal student loan borrowers in Virginia owe $45.5 billion as of 2026 Q1.
Among 1.09 million federal loan borrowers in Virginia, the average student debt is $41,916.
Per every Virginia resident with a credit history, the student loan debt averages $6,100 as of 2025 Q4.
Total household debt in Virginia is $77,060 per capita.
Virginia’s per capita mortgage debt is $57,130 as of 2025 Q4.
Among 2.315 million homeowning Virginia households, 65.8% have mortgages outstanding.
While Virginia’s average auto loan per capita is $5,560, the average balance among auto loan borrowers was $23,610 in 2024.
Credit card debt per capita in Virginia is $4,770.

Washington Student Loan vs Other Debt

Student loans represent 4.95% of Washington’s household debt.

Federal student loan borrowers in Washington owe $29.6 billion as of 2026 Q1.
Among 776,100 federal loan borrowers in Washington, the average student debt is $38,139.
Per every Washington resident with a credit history, the student loan debt averages $4,250 as of 2025 Q4.
Total household debt in Washington is $85,880 per capita.
Washington’s per capita mortgage debt is $67,840 as of 2025 Q4.
Among 1.992 million homeowning Washington households, 65.1% have mortgages outstanding.
While Washington’s average auto loan per capita is $4,810, the average balance among auto loan borrowers was $24,965 in 2024.
Credit card debt per capita in Washington is $4,640.

West Virginia Student Loan vs Other Debt

Student loans represent 11.20% of West Virginia’s household debt.

Federal student loan borrowers in West Virginia owe $7.7 billion as of 2026 Q1.
Among 228,300 federal loan borrowers in West Virginia, the average student debt is $33,728.
Per every West Virginia resident with a credit history, the student loan debt averages $4,240 as of 2025 Q4.
Total household debt in West Virginia is $37,850 per capita.
West Virginia’s per capita mortgage debt is $20,770 as of 2025 Q4.
Among 559,415 homeowning West Virginia households, 44.9% have mortgages outstanding.
While West Virginia’s average auto loan per capita is $6,650, the average balance among auto loan borrowers was $26,128 in 2024.
Credit card debt per capita in West Virginia is $3,180.

Wisconsin Student Loan vs Other Debt

Student loans represent 9.35% of Wisconsin’s household debt.

Federal student loan borrowers in Wisconsin owe $24.0 billion as of 2026 Q1.
Among 709,100 federal loan borrowers in Wisconsin, the average student debt is $33,846.
Per every Wisconsin resident with a credit history, the student loan debt averages $4,600 as of 2025 Q4.
Total household debt in Wisconsin is $49,210 per capita.
Wisconsin’s per capita mortgage debt is $33,260 as of 2025 Q4.
Among 1.724 million homeowning Wisconsin households, 60.0% have mortgages outstanding.
While Wisconsin’s average auto loan per capita is $4,560, the average balance among auto loan borrowers was $21,092 in 2024.
Credit card debt per capita in Wisconsin is $3,400.

Wyoming Student Loan vs Other Debt

Student loans represent 5.57% of Wyoming’s household debt.

Federal student loan borrowers in Wyoming owe $1.8 billion as of 2026 Q1.
Among 54,800 federal loan borrowers in Wyoming, the average student debt is $32,847.
Per every Wyoming resident with a credit history, the student loan debt averages $3,180 as of 2025 Q4.
Total household debt in Wyoming is $57,120 per capita.
Wyoming’s per capita mortgage debt is $40,830 as of 2025 Q4.
Among 183,683 homeowning Wyoming households, 52.9% have mortgages outstanding.
While Wyoming’s average auto loan per capita is $5,430, the average balance among auto loan borrowers was $27,972 in 2024.
Credit card debt per capita in Wyoming is $3,990.