States with the highest debt delinquency rates in America revealed
Debt delinquency can lead to fees, lower credit scores and higher interest rates. Americans who fall behind on debt payments can face serious financial consequences, from damaged credit scores to higher interest rates - and new analysis by WalletHub suggests that these challenges are particularly widespread in several Southern states. Using proprietary user data from the first quarter of 2026, WalletHub ranked all 50 states based on two measures: the percentage of individual loans and credit accounts that were delinquent and the share of residents' total loan balances that were past due.