In Pennsylvania, families owe historic levels of credit card, student loan, auto loan, and utility debt. Rising costs continue to push more Pennsylvania families deeper into the red as they fall further behind on monthly payments. According to research by Protect Borrowers and The Century Foundation:
- 231,205 Pennsylvania households are behind on a utility bill (as of Q2 2025)
- 2.4 million Pennsylvanians with credit card debt are debt-stressed (as of June 2026)
- Over 1 in 5 Pennsylvania student loan borrowers are past due on a federal student loan (as of September 2025)
- 14.8% of Pennsylvanians who took out a new car loan had to finance their car over 7+ years (as of Q4 2025)
Fact Sheets on Pennsylvanians’ Debts
Fact Sheet on Credit Card Debt in Pennsylvania here (see sources here)
Fact Sheet on Auto Loan Debt in Pennsylvania here (see sources here)
Fact Sheet on Student Loan Debt Delinquency in Pennsylvania here (see sources here)
Congressional District-Level Fact Sheets on Student Loan Debt in Pennsylvania here
Fact Sheet on Utility Debt in Pennsylvania here (see more here)
Reports on American Families’ Debts by Protect Borrowers and The Century Foundation
Trump’s Student Loan Delinquency Crisis, Unmasked (Data as of September 2025)
Interest Nation: The State of America’s Credit Card Debt Crisis (Data as of June 2026)
When the Wheels Come Off: How Surging Auto Loan Debt Is Hurting Households (Data as of Q4 2025)
Power Failure: Rising Energy Debt Is Climbing into the Middle Class (Data as of Q2 2025)