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Click on the variables below to see how debt affects people across the US

a White and nonwhite values are based on county or state zip codes that are predominantly white (at least 60 percent of the population is white) or predominantly nonwhite (at least 60 percent of the population is nonwhite).

b Not available because sample size is too small.

c Not available because no areas (zip codes) in the state or county are predominantly nonwhite or predominantly white.

d This variable was added May 16, 2018.

e This variable was relabeled on May 16, 2018.

a White and nonwhite values are based on county or state zip codes that are predominantly white (at least 60 percent of the population is white) or predominantly nonwhite (at least 60 percent of the population is nonwhite).

b Not available because sample size is too small.

c Not available because no areas (zip codes) in the state or county are predominantly nonwhite or predominantly white.

d This variable was added May 16, 2018.

e This variable was relabeled on May 16, 2018.

ABOUT THE DATA

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Appendix

This dashboard contains 2016 data derived from a random sample of deidentified, consumer-level records from a major credit bureau as well as estimates from summary tables of the US Census Bureau’s American Community Survey (2015 or 2011–15). We define the nonwhite population as those who are African American, Hispanic, Asian or Pacific Islander, American Indian or Alaska Native, another race, or multiracial. Debt in collections includes past-due credit lines that have been closed and charged-off on the creditor’s books as well as unpaid bills reported to the credit bureaus that the creditor is attempting to collect. For example, credit card accounts enter collections once they are 180 days past due. The map breaks are determined using the Jenks Natural Breaks method.

The medical debt map was released on December 6, 2017. The student loan debt map was added April 5, 2018. The share of student loan holders with student loan debt in collections was added May 16, 2018; the label for the share of people with credit records who have student loan debt in collections was also clarified at that time.

For more information and metric definitions, view and download the technical appendix.

Please contact externalaffairs@urban.org for more information.

PROJECT CREDITS

This data dashboard was funded by the Annie E. Casey Foundation, with additional support from the Ford Foundation. We are grateful to them and to all our funders, who make it possible for Urban to advance its mission. The views expressed are those of the authors and should not be attributed to the Urban Institute, its trustees, or its funders. Funders do not determine research findings or the insights and recommendations of our experts. More information on our funding principles is available here. Read our terms of service here.

We also thank Don Baylor of the Annie E. Casey Foundation for his input and Sara Rosenthal of the Urban Institute for her excellent project management.