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States Where People Use Debt the Most Just to Survive

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man on the floor going through bills
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Debt Measures

Millions of Americans are suffering through the coronavirus pandemic and an economic recession, and government officials don't seem to fully grasp just how desperate things have become: Congress has yet to approve a second round of stimulus support, and by all accounts,  it's not looking likely it will ever happen. Several months in, most Americans have received only $1,200 to help them get by. So of course they're resorting to using credit cards to cover daily expenses, typically a big no-no in the personal finance world, as well as loans and help from friends or family. A study from LendingTree using U.S. Census Bureau data shows where we're relying the most on debt to cover daily living costs.

Note: Percentages reflect use of credit cards and loans to meet everyday needs during a seven-day period in mid-July. States are ranked from those relying least on debt to those relying most on debt.

Related: 12 Retirement Dreams That Are Threatened by COVID-19

Fargo, North Dakota
Jacob Boomsma/istockphoto

51. North Dakota (relies the least on debt)

Credit cards or loans: 16.5%
Borrowing from friends or family: 7.3%

Burlington, Vermont
DenisTangneyJr/istockphoto

50. Vermont

Credit cards or loans: 19.2%
Borrowing from friends or family: 6%

New Hampshire
DenisTangneyJr/istockphoto
Maine
krblokhin/istockphoto

48. Maine

Credit cards or loans: 21.5%
Borrowing from friends or family: 6.6%

Minneapolis
StevenGaertner/istockphoto

47. Minnesota

Credit cards or loans: 22.2%
Borrowing from friends or family: 6.4%

Des Moines, Iowa
pabradyphoto/istockphoto
Detroit, Michigan
Davel5957/istockphoto

45. Michigan

Credit cards or loans: 21.6%
Borrowing from friends or family: 8.7%

Rhode Island
SeanPavonePhoto/istockphoto

44. Rhode Island

Credit cards or loans: 22.5%
Borrowing from friends or family: 8.4%

Cincinnati
aceshot/istockphoto
Anchorage, Alaska
Chilkoot/istockphoto

42. Alaska

Credit cards or loans: 21.1%
Borrowing from friends or family: 10.4%

Rapid City, South Dakota
DenisTangneyJr/istockphoto

41. South Dakota

Credit cards or loans: 24.9%
Borrowing from friends or family: 7.7%

Boise, Idaho
Mike Worley/istockphoto
Charleston, West Virginia
Sean Pavone/istockphoto

39. West Virginia

Credit cards or loans: 21.1%
Borrowing from friends or family: 11.6%

Manhattan, Kansas
DenisTangneyJr/istockphoto

38. Kansas

Credit cards or loans: 22.4%
Borrowing from friends or family: 10.5%

St. Louis, Missouri
Sean Pavone/istockphoto
Nashville, Tennessee
SeanPavonePhoto/istockphoto

36. Tennessee

Credit cards or loans: 19.2%
Borrowing from friends or family: 13.8%

Louisville, Kentucky
Davel5957/istockphoto

35. Kentucky

Credit cards or loans: 18.5%
Borrowing from friends or family: 14.5%

Salt Lake City, Utah
JodiJacobson/istockphoto
Boston
Sean Pavone/istockphoto

33. Massachusetts

Credit cards or loans: 27.9%
Borrowing from friends or family: 5.3%

Asheville, North Carolina
Sean Pavone/istockphoto

32. North Carolina

Credit cards or loans: 23.4%
Borrowing from friends or family: 10.6%

Philadelphia
Pgiam/istockphoto
New Orleans
Kruck20/istockphoto

30. Louisiana

Credit cards or loans: 17.6%
Borrowing from friends or family: 16.7%

Bozeman, Montana
DianeBentleyRaymond/istockphoto

29. Montana

Credit cards or loans: 25.7%
Borrowing from friends or family: 8.7%

Birmingham, Alabama
RobHainer/istockphoto
Connecticut
pabradyphoto/istockphoto

27. Connecticut

Credit cards or loans: 26.6%
Borrowing from friends or family: 8.2%

Oklahoma City, Oklahoma
Majestic_Aerials/istockphoto

26. Oklahoma

Credit cards or loans: 19.2%
Borrowing from friends or family: 16.5%

Milwaukee, Wisconsin
Joseph Sohm/shutterstock
Greenville, South Carolina
SeanPavonePhoto/istockphoto

24. South Carolina

Credit cards or loans: 20.7%
Borrowing from friends or family: 15.7%

Atlanta
Sean Pavone/shutterstock

23. Georgia

Credit cards or loans: 22.4%
Borrowing from friends or family: 14%

Portland, Oregon
halbergman/istockphoto
Miami
acavalli/istockphoto

21. Florida

Credit cards or loans: 26.1%
Borrowing from friends or family: 10.6%

New York
Eloi_Omella/istockphoto

20. New York

Credit cards or loans:  24.8%
Borrowing from friends or family:  12.3%

Seattle
aiisha5/istockphoto
Omaha, Nebraska
Davel5957/istockphoto

18. Nebraska

Credit cards or loans: 25.9%
Borrowing from friends or family: 11.9%

Mississippi
Sean Pavone/istockphoto

17. Mississippi

Credit cards or loans: 20.3%
Borrowing from friends or family: 17.5%

Baltimore
Davel5957/istockphoto
Santa Fe, New Mexico
DenisTangneyJr/istockphoto

15. New Mexico

Credit cards or loans: 24.4%
Borrowing from friends or family: 14.1%

Phoenix, Arizona
Art Wager/istockphoto

14. Arizona

Credit cards or loans: 24.3%
Borrowing from friends or family: 14.4%

Indianapolis
Davel5957/istockphoto
Dallas
f11photo/istockphoto

12. Texas

Credit cards or loans: 24.8%
Borrowing from friends or family: 14.3%

Hot Springs, Arkansas
zrfphoto/istockphoto

11. Arkansas

Credit cards or loans: 22.8%
Borrowing from friends or family: 16.5%

Virginia Beach, Virginia
DenisTangneyJr/istockphoto
Casper, Wyoming
Casper, Wyoming by Phillip Stewart (CC BY-SA)

9. Wyoming

Credit cards or loans: 25.9%
Borrowing from friends or family: 13.6%

San Francisco, CA
f11photo/shutterstock
Delaware
DenisTangneyJr/istockphoto

7. Delaware

Credit cards or loans: 28.8%
Borrowing from friends or family: 11.7%

Hawaii
okimo/istockphoto
Chicago
Rudy Balasko/shutterstock

5. Illinois

Credit cards or loans: 27.1%
Borrowing from friends or family: 13.6%

Jersey City, New Jersey
Ultima_Gaina/istockphoto
Nevada
photoquest7/istockphoto
Denver
RoschetzkyIstockPhoto/istockphoto

2. Colorado

Credit cards or loans: 26.7%
Borrowing from friends or family: 15.4%

Washington, D.C.
Orhan Cam/shutterstock