Americans are always worrying about debt: their own and their government’s. Data for this visualization comes from the Federal Reserve. The highest ratio is visualized per state. ℹ️ Debt includes mortgages, autos, credit cards, etc., and excludes student loans. Income is based on unemployment insurance-covered wages, as reported to the Bureau of Labor Statistics. Which States Carry the Most Debt? Two states share the top spot: Idaho and Hawaii both post a.