Research
Debt research and data
Data compilations from Federal Reserve and CFPB sources, published with the underlying CSV so journalists, researchers and educators can reuse them with attribution.
New York Fed / Equifax, Q4 2025
Student loan debt by state, 2026
Student loan balances per adult in all 50 states and DC, growth since 2019 and the share seriously delinquent or in default, from New York Fed Consumer Credit Panel data. Sortable table and CSV.
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New York Fed / Equifax, Q4 2025
Auto loan debt by state, 2026
Car loan balances per adult by state, growth since 2019 and serious delinquency, from New York Fed Consumer Credit Panel data. Sortable table and CSV.
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New York Fed / Equifax, Q4 2025
Mortgage debt by state, 2026
Mortgage balances per adult by state (excluding HELOC), growth since 2019 and serious delinquency, from New York Fed Consumer Credit Panel data. Sortable table and CSV.
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New York Fed / Equifax, Q4 2025
Total household debt by state, 2026
Combined mortgage, auto, card, student and other debt per adult by state and growth since 2019, from New York Fed Consumer Credit Panel data. Sortable table and CSV.
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NCLC (Dec 2025) and state law
Personal loan interest rate caps by state, 2026
Maximum APR a licensed lender can charge on a $500 and a $2,000 personal loan in all 50 states and DC, with each state's rate rule and statute. Tile map, sortable table and CSV.
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New York Fed / Equifax, Q4 2025
Credit card debt by state, 2026
Card balances per adult in all 50 states and DC, growth since 2019 and serious-delinquency rates, compiled from New York Fed Consumer Credit Panel data. Sortable table and downloadable CSV.
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