超过三分之一的人对按时偿还债务存有困难；来自星期二城市研究所对7000000美国人的信用档案分析研究表明35%的美国人有债务麻烦。
这意味着到目前为止债务超期的帐户已被关闭并集中放置。这通常发生在账单超期180天未付。这也意味着债务已经向信用局报告，可以影响到信贷分数。
美国南部为密集度最高地区。在美国的13个州-阿拉巴马州，阿肯色州，佛罗里达州，乔治亚州，肯塔基，路易斯安那，密西西比州，北卡罗来纳州，南卡罗来纳州，内华达州，德克萨斯，墨西哥和西弗吉尼亚州和华盛顿哥伦比亚特区，超过了信用档案的人口40%的人债务问题。受住房危机和经济衰退打击最严重的内华达州，比率到达最高的46.9%。（更多全球资讯点击浏览）
77000000美国人的平均债务为5200美元。这包括信用卡账单，孩子的支持，医疗账单，物业帐单 ，停车票或会员费。
拖欠的家庭比例是“非常令人沮丧的。”经济政策研究所政策研究主任乔希说毕文斯如是说，数据是自经济大萧条来大多数美国人仍在与经济不稳定抗争的有力说明。
“这是经济大萧条给我们带来的又一个糟糕的结果，我们现在正努力摆脱这种困境。
“同时对相当一部分有债务问题的人来说，他们没有意识到这个问题，或这是他们身缠更大的其他信用债务，当提到医疗账单是，病人通常想到的是医疗保险。”Bankrate网首席财务分析师说到。
他说，对数据来说，“数字不能说明人们应偿还债务所占比率。”
这些调查是取自有信用档案的公民，所以说低收入者不包括在内，还有结付日贷款这类债目也不包含。
当涉及到整体债务水平，大部分来自抵押贷款，平均而言，占到美国人的债务负担70%。富裕的州往往有最高信用额和债务抵押债券百分比，但研究人员指出，有更高的债务美国人有可能有更高的收入和更易获得信贷的人。 （更多全球资讯点击浏览）
夏威夷高居榜首，平均83810美元的债务；80%是在抵押贷款。沿西部和东部沿海各州紧随其后。这些地区也有最高的住房价格
“抵押债务能够真实的体现总债务，”卡洛琳城市研究院的高级研究员、该报告作者之一雷克利夫说。雷克利夫把抵押贷款债务归类为被认为的“生产性债务。”
“我们谈论信用和获取信用是一件好事，但债务是一个糟糕的事情，”她说。“获得信贷导致生产性债务，这可使我们前进。
”在美国人的信用历史，平均总负债近54000美元。但是，但是，一旦你有了抵押贷款债务，数量明显倾斜。美国抵押贷款有209000美元左右平均总负债，相比没有抵押贷款的约11600美元。百分之二十的美国人没有信用债务记录。
迈克布莱德警告说，抵押贷款债务不一定是负面的财务指标。
“一个有400000美元的抵押贷款债务而没其他债务，要比一个没有无抵押债务但有有10000美元的负债消费的人有更好的财务形象”他说。
数据显示在平均抵押贷款债务的情况下，债务比例最高的州上榜人说相对较低的。研究人员发现，抵押贷款债务是集中在高成本，高价格的地区，雷克利夫说。20％抵押贷款最高地区，抵押贷款债务几乎占数量。
USA TODAY 12:06 a.m. EDT July 29, 2014
More than a third of the country is in trouble when it comes to paying debts on time; 35% of Americans have debt in collections, according to a study out Tuesday from the Urban Institute, which analyzed the credit files of 7 million Americans.That means the debt is so far past due that the account has been closed and placed in collections. This typically happens after the bill hasn't been paid for 180 days. It also means the debt has been reported to credit bureaus and can affect someone's credit score.
Southern states especially stand out with the highest concentration of people delinquent. In 13 states — Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Texas, Nevada, New Mexico and West Virginia — and Washington, D.C., more than 40% of the population with a credit file has debt in collections. Nevada, one of the states hardest hit by the housing crisis and recession, has the highest share, at 46.9%.
The 77 million Americans with debt in collections owe an average of $5,200. That includes debt from credit card bills, child support, medical bills, utility bills, parking tickets or membership fees.
The share of delinquent households is "pretty disheartening," says Josh Bivens, research and policy director at the Economic Policy Institute. He calls the data a "powerful" reminder of the fact that many Americans are still battling for economic stability since the end of the recession.
"This is yet another really bad legacy of the Great Recession that we're just nowher near climbing all the way out of," he says. （更多全球资讯点击浏览）
At the same time, a significant number of people with debt in collections aren't aware of the bill and may otherwise have great credit, especially when it comes to medical bills that patients often think were picked up by insurance, says Greg McBride, chief financial analyst for Bankrate.com.
"The numbers don't necessarily speak to the percentage of households that haven't been paying their obligations," he says of the data.
The research only draws on data from Americans with a credit file, so the researchers say lower-income consumers are underrepresented, and alternative forms of debt such as payday loans aren't included.
When it comes to overall debt levels, most comes from mortgages, which make up 70%, on average, of Americans' debt load. Wealthier states tend to have the highest amount of debt and percentage of debt held in mortgages, but the researchers point out that Americans with higher debt may also have higher incomes and better access to credit.
Hawaii tops the list with an average debt of $83,810; 80% of that is held in mortgages. States along the West and East Coasts follow closely behind. Those areas also have the highest housing prices.
。 "Total debt really mimics mortgage debt," says Caroline Ratcliffe, a senior fellow at the Urban Institute and one of the authors of the report. Ratcliffe classifies mortgage debt as what's generally considered "productive debt."
"We talk about credit and access to credit as a good thing, but debt as a bad thing," she says. "Access to credit can result in productive debt that moves us forward."
Among Americans with credit history, the average total debt load is nearly $54,000. But that number is significantly skewed once you factor in debt from mortgages. Americans with a mortgage have an average overall debt of about $209,000 compared with about $11,600 for those without a mortgage. Twenty percent of Americans with a credit report have no debt.
McBride cautions that mortgage debt isn't necessarily a negative financial indicator. （更多全球资讯点击浏览）
"Somebody with $400,000 in mortgage debt and no other debts could be in much better financial shape than the person with no mortgage debt but $10,000 in consumer debt," he says.
The states with the highest share of people with debt in collections are ranked relatively low when it comes to average mortgage debt, the data show. The researchers found mortgage debt is concentrated in high-cost, high-price areas, Ratcliffe says. The top 20% of areas with the highest mortgage debt account for almost half of all mortgage debt.
