Find Debt Help in Your State

Learn which options you might be eligible for.

Accredited Debt Relief can connect you with multiple debt help options based on where you live.

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Select your state below to learn more:

Options Available in Alabama

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Alabama

While for its beautiful landscape, delicious Southern food and football fandom, Alabama is also known for its financial struggles. Alabama recently ranked as the fifth-poorest state in the U.S., with more than 800,000 residents living below the poverty line.

Alabama's debt-to-income ratio is 1.288.
Alabama residents have an average credit card balance of $5,047.
The National Consumer Law Center gave Alabama a “D” rating for their weak overall protections for family finances.

Options Available in Alaska

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Alaska

America’s last frontier is home to breathtaking views and outdoor recreational opportunities. It’s also home many who are struggling to keep up financially.

Alaskans struggle with the highest average credit card debt in the country, carrying an average debt of $6,617 per borrower.
The median household debt-to-income ratio in Alaska is 1.657.
Alaska is the 8th most expensive U.S. state to live in, with a cost of living index of 128.0.

Options Available in Arizona

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Arizona

Arizona’s amazing weather and scenic views have enticed many Americans to pack up and move to the Grand Canyon State. Unfortunately, Arizona isn’t immune to financial trouble, and many of its residents struggle with overwhelming debt.

The median household income in Arizona is $62,055.
The average Arizonian has $5,157 in credit card debt.
Arizona’s median household debt-to-income ratio is 1.630.

Options Available in Arkansas

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Arkansas

For some, Arkansas is a fun and affordable place to call home. Unfortunately, many Arkansans still find themselves struggling to manage their debts.

The debt-to-income ratio in Arkansas is 1.229.
Arkansans have an average credit card balance of $5,327, which is lower than the overall American average of $6,194.
Arkansas also has the second lowest average salary in America, with an average living wage of $49,970.

Options Available in California

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in California

With the third-highest cost of living in the country, everything costs a little more in California.

Californians have a median household income of $75,235, despite having an above-average cost of living.
The debt-to-income ratio in California is 1.514.
The average credit card debt in California is $5,120.

Options Available in Colorado

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Colorado

Colorado is known for its natural beauty, national parks and outdoor recreation opportunities, making it an idyllic place to call home. However, many Coloradans find themselves held back by their finances, unable to enjoy everything the Centennial State has to offer.

Colorado’s median debt-to-income ratio is 1.742.
Coloradans have an average credit card balance of $6,416.
Although the cost of living can varies greatly throughout the state, those living in Boulder, Vail, Aspen, Carbondale and Edgewater are paying more than their fellow Coloradans.

Options Available in Florida

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Florida

Life in Florida usually consists of sunshine and sand, but unfortunately, it can also include serious debt and financial difficulties.

Florida’s residents have an average credit card balance of $6,460.
Floridians have a median household income of $59,227.
The median household debt-to-income ratio in Florida is 1.652.

Options Available in Idaho

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Idaho

Although surrounded by beauty and one-of-a-kind outdoor recreation opportunities, many of Idaho’s residents aren’t able to enjoy their state to the fullest due to student loans and overwhelming debt.

Idaho's debt-to-income ratio is 1.771.
Idahoans have an average credit card balance of $5,213 and a median annual household income of $65,988.
Although Idaho overall is an affordable state to live in, residents of Sandpoint, Rexburg, Coeur d’Alene, Hayden and Garden City pay more to live there than the rest of the state.

Options Available in Indiana

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Indiana

While Hoosiers typically enjoy a lower cost of living than their Midwestern neighbors, many of Indiana’s residents are still in need of financial relief.

Hoosiers have an average credit card balance of $4,651.
Indiana's median debt-to-income ratio is 1.198.
Indiana has a lower cost of living than other states, coming in as the 10th most affordable US state to live in.
Indiana’s median household income is $56,303.

Options Available in Kentucky

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Kentucky

Kentucky may be home to horse racing, bourbon and bluegrass music, but it’s also home to many residents who are struggling to repay their debts.

The average Kentucky resident has a credit card balance of $5,140.
Kentucky’s median debt-to-income ratio is 1.152.
Although Kentucky is a fairly affordable state to live in, those residing in Pikeville, Murray, Morehead, Versailles and Richmond are paying more to live there than their neighbors.

Options Available in Louisiana

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Louisiana

Although the Bayou State has plenty to offer, many Louisianans are unable to enjoy their home to the fullest due to financial difficulties and overwhelming debt.

The average Louisiana resident has a credit card balance of $5,811.
The median debt-to-income ratio in Louisiana is 1.372.
Although the cost of living varies throughout the state, New Orleans, Natchitoches, Ruston, Thibodaux and Grambling are the most expensive places to live.

Options Available in Maryland

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Maryland

With an expensive home market, higher-than-average rent prices and its proximity to the nation’s capital, Maryland’s residents understand the high costs associated with their state.

The average Marylander has a credit card balance of $6,946.
Maryland's debt-to-income ratio is 1.808.
Calling the Old Line State “home” can be pricey, especially if you’re living in Mount Rainier, College Park, Bladensburg, Gaithersburg or Rockville. Maryland recently ranked as the 7th most expensive US state to live in.

Options Available in Massachusetts

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Massachusetts

The Commonwealth of Massachusetts has grown rapidly in recent years, which has also led to higher housing prices and an overall higher cost of living. It’s no wonder why many residents of the Bay State are looking for help with their debt.

The average Massachusetts resident has a credit card balance of $6,213.
The median household debt-to-income ratio in Massachusetts is 1.164.
Massachusetts is the 6th most expensive U.S. state to live in, with an average home price of $663,942.

Options Available in Michigan

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Michigan

In Michigan, debt is a problem that spans across both the upper and lower peninsula.

Michigan’s median household debt-to-income ratio is 1.165.
The median household income in Michigan is $57,144.
The average Michigan resident carries a credit card balance of $5,399.

Options Available in Mississippi

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Mississippi

Known for its rich jazz and blues history, beautiful magnolia blossoms and southern hospitality, Mississippi is a unique and affordable place to call home. Unfortunately, many Mississippians struggle to pay their credit card bills and student debts.

Mississippi's median household debt-to-income ratio is 1.370.
The average Mississippian has a credit card balance of $5,134.
U.S. News recently ranked the Magnolia State as the most affordable state to live in, but those living in Oxford, Starkville and Bay St. Louis pay more in living costs than the rest of the state.

Options Available in Missouri

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Missouri

Although Missouri has a lower cost of living compared to other states in the US, thousands of residents from Kansas City to St. Louis still struggle with debt.

The median household debt-to-income ratio is 1.211.
The average Missourian has a credit card balance of $5,601.
According to a recent study, the “Show Me State” is the 8th most affordable US state to live in. The most expensive areas to live in are University City, Sunset Hills, Weldon Spring, St. Robert and Columbia.

Options Available in Montana

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Montana

While Montana is home to spectacular outdoor attractions, it’s also home to residents who can’t enjoy their state to the fullest due to financial difficulties.

The average Montanan has a $5,482 credit card balance.
Montana's median household debt-to-income ratio is 1.685.
The average fair market rent price for a 2 bedroom home in Montana is $813 a month.

Options Available in Nebraska

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Nebraska

Known as the home of the Huskers, the reuben sandwich, Arbor Day and Warren Buffett, Nebraskans know their state is a unique and friendly place to call home. Unfortunately, many of Nebraska’s residents are also incredibly familiar with overwhelming debt.

The debt-to-income ratio in Nebraska is 1.118.
Nebraskans have an average credit card balance of $5,423.
Although the Cornhusker State is a fairly affordable state to live in, Lincoln, Omaha, Wayne, Fremont and Kearney are the most expensive places to call home.

Options Available in Nevada

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Nevada

The Silver State might be best known as a gambling and tourism hotspot, but many locals aren’t able to enjoy everything Nevada has to offer due to their overwhelming debt.

Nevadans have an average credit card balance of $6,220.
Nevada's debt-to-income ratio is 1.749.
The median household income in Nevada is $60,365.

Options Available in New Mexico

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in New Mexico

The Land of Enchantment’s beautiful landscapes and rich history make it a unique place to call home. Unfortunately, financial troubles keep many New Mexicans from taking full advantage of everything their state has to offer.

New Mexico's debt-to-income ratio is 1.516.
New Mexico's average credit card holder has a balance of $5,851.
The median household income in New Mexico is $49,754.

Options Available in New York

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in New York

New Yorkers from all areas of the state, including Buffalo, Rochester, Albany, Syracuse and New York City, are facing serious financial challenges.

The average New Yorker has $5,414 in credit card debt.
The median household income in New York state is $63,998.
The average debt-to-income ratio in New York is 0.933.

Options Available in North Carolina

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in North Carolina

North Carolina’s population has grown significantly in recent years, but so have the debts of its hard-working residents.

The average North Carolinian has a credit card balance of $5,832.
North Carolina’s median household debt-to-income ratio is 1.487.
The median individual income in North Carolina is $28,836.

Options Available in Oklahoma

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Oklahoma

Fortunately for its residents, the Sooner State has an incredibly low cost of living compared to the rest of the United States. This also means that Oklahomans have lower than average incomes, which isn’t ideal for those with significant debts to pay off.

Oklahoma’s median household debt-to-income ratio is 1.177.
The average Oklahoman has a credit card balance of $5,848.
Oklahoma was recently ranked as the third most affordable state to live in, with an average home price of $285,750. The most expensive areas to live in Oklahoma are Stillwater, Durant, Tahlequah, Guthrie and Grove.

Options Available in Pennsylvania

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Pennsylvania

From Pittsburgh to Philadelphia, thousands of residents of the Keystone State struggle with their finances.

The median household income in Pennsylvania is $61,744.
The average credit card holder in Pennsylvania carries a balance of $5,840.
The median household debt-to-income ratio in Pennsylvania is 1.172.

Options Available in South Dakota

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in South Dakota

Known for its rich farmlands and world-famous landmarks, South Dakota is a beautiful and peaceful place to call home. Unfortunately, many South Dakotans who are burdened with debt are not able to enjoy all that their state has to offer.

The average South Dakotan has a $5,235 credit card balance.
South Dakota's debt-to-income ratio is 1.135.
South Dakotans have a lower cost of living compared to the rest of the U.S., but residents of Spearfish, Rapid City, Vermillion, Watertown and Box Elder are paying more than their neighbors.

Options Available in Tennessee

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Tennessee

With the Great Smoky Mountains, the world’s best music scene and beautiful cities all within reach, it’s easy to see why Tennessee’s population is quickly growing. Despite the state’s affordability, however, many of Tennessee’s residents have found themselves burdened with debt.

Tennessee residents carry an average credit card debt of $5,688.
The 2018 debt-to-income ratio in Tennessee is 1.277.
The median household income in Tennessee is $53,320.

Options Available in Texas

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Texas

Unfortunately, the saying “everything’s bigger in Texas” applies to debt, too.

Texas has a median household income of $61,874.
The average debt-to-income ratio in Texas is 1.192.
Texans have an average of $5,848 in credit card debt.

Options Available in Utah

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Utah

Utah’s scenic deserts, ski-ready mountains and strong economic opportunities have drawn in many new residents in recent years. However, Utah’s inhabitants are also familiar with financial hardship.

Utah's debt-to-income ratio is 1.590.
The average Utahn has a credit card balance of $5,600.
The median cost of a home in Utah is $338,200, which is $107,000 higher than the U.S. average.

Options Available in Virginia

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Virginia

Virginia is known for its beautiful scenery and rich history, but it’s also home to many who are struggling with serious debt.

Virginia’s median household debt-to-income ratio is 1.701.
The median household income in Virginia is $74,222.
Despite above-average household income, Virginia residents carry an average of $6,969 in credit card debt.

Options Available in Washington, D.C.

Customized debt consolidation options — ideal for those with more than $10,000 in debt
Consolidation loans up to $100,000
Credit counseling services with debt consolidation and debt management options — ideal for debts under $10,000

Money and Debt in Washington, D.C.

The Washington D.C. metropolitan area has a much higher cost of living than the national average. Expensive housing options and student loan debts make finances tricky for many residents.

The average Washington, D.C. resident has $6,307 in credit card debt, and 6.8% of residents are at least 30 days late with a credit card payment.
The typical is $692,178.

Federal and private student loan borrowers in D.C. have an average balance of $52,049, which is 42% higher than the U.S. average.