For journalists, educators and publishers
Useful debt data, ready to cite.
Smart Debt Relief publishes plain-English research and free tools that can support reporting, financial-literacy lessons and consumer-resource pages. Use anything here with attribution. No pitch or account is required.
At a glance
- Datasets
- 5
- States covered
- 51
- Data through
- Q4 2025
- License
- CC BY 4.0
Publisher-ready assets
Start with the thing your readers need.
Original research
Credit card debt by state
State-by-state balances, growth and serious delinquency from New York Fed and Equifax data through Q4 2025.
Free tool
Debt payoff calculator
A simple calculator for balances, APR, monthly payments and the effect of paying extra each month.
Research library
Five household-debt datasets
Reusable state-level compilations covering card, auto, mortgage, student-loan and total household debt.
How to cite
Make attribution easy.
If you use a figure, chart or dataset, link to the relevant source page and keep the source note intact. The compilation, calculations and charts are available under CC BY 4.0. The underlying government data remains owned by its original publisher.
Suggested credit
“Source: Smart Debt Relief, ‘Credit Card Debt by State, 2026,’ compiled from New York Fed Consumer Credit Panel/Equifax data, Q4 2025.”
Please link the words credit card debt by state to the study page when practical.
Download the source CSVFree calculator embed
Give readers an interactive payoff estimate.
Paste this iframe into an article or resource page. It is frame-friendly, has no tracking inside the tool, and includes a visible attribution link back to Smart Debt Relief.
Use the full tool page if you prefer a normal link: smartdebtrelief.org/tools/debt-payoff-calculator/
Media contact
Need a number, chart or comment?
Email the Smart Debt Relief editorial team. We can clarify methodology, provide a clean citation or point you to the right dataset.