Americans are carrying more debt than they used to and are increasingly falling behind on payments, according to a new analysis of mortgages, auto loans, credit cards and student debt conducted by ConsumerAffairs. The review and consumer news platform found that debt pressures are very different across the U.S., but overall the national average individual debt has nearly doubled over the past two decades, soaring from $32,840 in 2003 to $63,200 in 2025. This debt outpaces the country’s average