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Americans are drowning in debt. Here's where they have it the worst.

Americans are drowning in debt. Here's where they have it the worst.

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Share of population with any debt in collections. Urban Institute screen shot

Nearly half the residents of Louisiana have debt that has gone into collections, making that state America's capital of past-due debt, according to a new national map of indebtedness released by the Urban Institute this week.

The debt numbers are derived from anonymized consumer-level records shared with Urban's researchers by a major credit bureau. Unpaid bills that creditors have either closed or are trying to collect are considered "in collections." For example, unpaid credit card debt typically goes into collections after 180 days, according to the Urban Institute.

Nationwide the data show that 33 percent of Americans hold debt that is currently in collection. The median amount of debt in collections is $1,450.

But those figures show striking regional variation. In Louisiana, 46 percent of adults have debt in collection, the highest share in the nation. Rates of past-due debt are generally highest in southern and western states, and lowest in the upper Midwest. In Minnesota, for instance, only 17 percent of adults have debt in collections, the lowest rate in the nation.

In Missouri, 35 percent of adults have debt in collections. In Illinois, it's 31 percent.

In the city of St. Louis, 52 percent of adults have debt in collections. In St. Louis County, it's 31 percent and St. Charles County, it's 22 percent.

The Missouri county with the highest rate is Pemiscot, in the Bootheel region, where 63 percent of the adults have debt in collections. 

At the county level, 68 percent of the residents of tiny Allendale County, S.C., (population 9,433) have debt currently in collections, the highest county rate in the nation. Cook County, Minnesota, can boast the nation's lowest prevalence of past-due debt, at just 6 percent.

Previous research by the Urban Institute has identified health insurance coverage as a chief driver of indebtedness: People who have health insurance tend to be less likely to fall behind on their bills.

Urban's researchers looked at this relationship nationwide and found that "a 1 percentage-point increase in the share of population without health insurance is associated with a 0.16 percentage-point increase in the likelihood of having debt in collections and a 1.3 percent increase (equal to $20) in the average amount of debt in collections."

Nationwide, nearly 1 in 5 households has medical debt in collections with a median amount of $681. But again, that particular number varies broadly: The prevalence of past-due medical debt is 10 times higher in Louisiana (30 percent) than it is Minnesota (3 percent).

In many counties in Texas and Louisiana, over 60 percent of the population carries past-due medical debt. The numbers underscore the connection between physical and financial health. Among the more astonishing facts about life in America today is that we spend more money on health care than any other developed nation, but we also die younger than people in those nations.

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