If you find your debts growing—despite well-intentioned efforts to pay them down—you’re far from alone. Americans have racked up a whopping $12.96 trillion in total household debt as of September 2017, a new peak according to the Federal Reserve Bank of New York.

The biggest chunk of this debt is mortgage balances, which have crept up to $8.47 trillion—though that figure’s still lower than the 2008 housing bubble high of $9.3 trillion. The more worrying figure is student loans: both *Forbes* as well as the above report by the New York Fed have noted the dangers of young people taking on risky amounts of debt.

Credit card debt and auto loans have also grown since the recession, although median credit scores of borrowers have also increased. All that debt means Americans tend to owe more than people in other developed countries—*Slate* points out that the U.S. has more household debt relative to GDP than Germany, France, Italy, and Spain, though less than Canada, South Korea, Australia, and the U.K.

Of course, not all Americans spend alike. According to *SmartAsset*, California—the state with the most debt per capita—has accrued twice as much debt as West Virginia, the least indebted on the list. In general, wealthier states tend to be bigger borrowers, with higher-income states taking on more debt than the poorer ones.

To figure out the debt load of each state, *SmartAsset *calculated debt-to-income ratios by dividing the 2015 total debt per capita data according to the Federal Reserve Bank of New York by the median income data disclosed in the U.S. Census Bureau’s 2015 5-year *American Community Survey*. *Stacker* has compiled and ranked the info among all 50 states and Washington D.C.—read on to see how your state compares to its neighbors.

Median Individual Income: $22,771

Overall Debt Per Capita: $27,520

Debt-to-Income Ratio: 1.21

Median Individual Income: $31,782

Overall Debt Per Capita: $39,510

Debt-to-Income Ratio: 1.24

Median Individual Income: $25,477

Overall Debt Per Capita: $31,930

Debt-to-Income Ratio: 1.25

Median Individual Income: $28,576

Overall Debt Per Capita: $35,820

Debt-to-Income Ratio: 1.25

Median Individual Income: $29,132

Overall Debt Per Capita: $36,820

Debt-to-Income Ratio: 1.26

Median Individual Income: $22,199

Overall Debt Per Capita: $28,650

Debt-to-Income Ratio: 1.29

Median Individual Income: $28,771

Overall Debt Per Capita: $37,180

Debt-to-Income Ratio: 1.29

Median Individual Income: $29,060

Overall Debt Per Capita: $37,680

Debt-to-Income Ratio: 1.30

Median Individual Income: $22,972

Overall Debt Per Capita: $30,020

Debt-to-Income Ratio: 1.31

Median Individual Income: $26,798

Overall Debt Per Capita: $35,740

Debt-to-Income Ratio: 1.33

Median Individual Income: $26,452

Overall Debt Per Capita: $35,330

Debt-to-Income Ratio: 1.34

Median Individual Income: $23,828

Overall Debt Per Capita: $31,940

Debt-to-Income Ratio: 1.34

Median Individual Income: $26,150

Overall Debt Per Capita: $35,280

Debt-to-Income Ratio: 1.35

Median Individual Income: $26,369

Overall Debt Per Capita: $36,510

Debt-to-Income Ratio: 1.38

Median Individual Income: $27,699

Overall Debt Per Capita: $38,470

Debt-to-Income Ratio: 1.39

Median Individual Income: $27,251

Overall Debt Per Capita: $38,400

Debt-to-Income Ratio: 1.41

Median Individual Income: $24,508

Overall Debt Per Capita: $34,560

Debt-to-Income Ratio: 1.41

Median Individual Income: $27,846

Overall Debt Per Capita: $39,340

Debt-to-Income Ratio: 1.41

Median Individual Income: $23,693

Overall Debt Per Capita: $34,210

Debt-to-Income Ratio: 1.44

Median Individual Income: $30,509

Overall Debt Per Capita: $44,510

Debt-to-Income Ratio: 1.46

Median Individual Income: $30,140

Overall Debt Per Capita: $44,220

Debt-to-Income Ratio: 1.47

Median Individual Income: $24,732

Overall Debt Per Capita: $37,020

Debt-to-Income Ratio: 1.50

Median Individual Income: $28,825

Overall Debt Per Capita: $43,520

Debt-to-Income Ratio: 1.51

Median Individual Income: $30,530

Overall Debt Per Capita: $46,930

Debt-to-Income Ratio: 1.54

Median Individual Income: $26,027

Overall Debt Per Capita: $40,010

Debt-to-Income Ratio: 1.54

Median Individual Income: $30,129

Overall Debt Per Capita: $46,950

Debt-to-Income Ratio: 1.56

Median Individual Income: $24,806

Overall Debt Per Capita: $38,870

Debt-to-Income Ratio: 1.57

Median Individual Income: $25,507

Overall Debt Per Capita: $40,360

Debt-to-Income Ratio: 1.58

Median Individual Income: $25,364

Overall Debt Per Capita: $40,600

Debt-to-Income Ratio: 1.60

Median Individual Income: $31,841

Overall Debt Per Capita: $51,110

Debt-to-Income Ratio: 1.61

Median Individual Income: $23,534

Overall Debt Per Capita: $37,990

Debt-to-Income Ratio: 1.61

Median Individual Income: $32,243

Overall Debt Per Capita: $52,270

Debt-to-Income Ratio: 1.62

Median Individual Income: $31,251

Overall Debt Per Capita: $50,870

Debt-to-Income Ratio: 1.63

Median Individual Income: $35,029

Overall Debt Per Capita: $57,300

Debt-to-Income Ratio: 1.64

Median Individual Income: $25,566

Overall Debt Per Capita: $41,880

Debt-to-Income Ratio: 1.64

Median Individual Income: $26,244

Overall Debt Per Capita: $43,430

Debt-to-Income Ratio: 1.65

Median Individual Income: $27,865

Overall Debt Per Capita: $46,260

Debt-to-Income Ratio: 1.66

Median Individual Income: $33,301

Overall Debt Per Capita: $55,800

Debt-to-Income Ratio: 1.68

Median Individual Income: $26,678

Overall Debt Per Capita: $47,630

Debt-to-Income Ratio: 1.79

Median Individual Income: $31,232

Overall Debt Per Capita: $56,050

Debt-to-Income Ratio: 1.79

Median Individual Income: $23,909

Overall Debt Per Capita: $43,190

Debt-to-Income Ratio: 1.81

Median Individual Income: $36,316

Overall Debt Per Capita: $67,020

Debt-to-Income Ratio: 1.85

Median Individual Income: $32,352

Overall Debt Per Capita: $59,820

Debt-to-Income Ratio: 1.85

Median Individual Income: $31,407

Overall Debt Per Capita: $58,370

Debt-to-Income Ratio: 1.86

Median Individual Income: $26,188

Overall Debt Per Capita: $49,550

Debt-to-Income Ratio: 1.89

Median Individual Income: $41,724

Overall Debt Per Capita: $79,700

Debt-to-Income Ratio: 1.91

Median Individual Income: $27,136

Overall Debt Per Capita: $52,150

Debt-to-Income Ratio: 1.92

Median Individual Income: $31,664

Overall Debt Per Capita: $62,200

Debt-to-Income Ratio: 1.96

Median Individual Income: $31,557

Overall Debt Per Capita: $62,520

Debt-to-Income Ratio: 1.98

Median Individual Income: $31,905

Overall Debt Per Capita: $67,010

Debt-to-Income Ratio: 2.10

Median Individual Income: $28,068

Overall Debt Per Capita: $65,740

Debt-to-Income Ratio: 2.34