As the Federal Reserve looks to increase interest rates in the hope of slowing inflation in the US, the change could spell trouble for the many Americans living in the red. By the end of 2021, consumer debt had hit record levels at $15.6 trillion. And income hasn’t kept up: the level of debt relative to income – the debt-to-income ratio – has risen, and so a greater share of household income is used in paying off debt, leaving less for everything else.

Using data collated by Experian, we reveal the 20 states where people spend the highest percentage of their salary on their loan, credit card, mortgage payments and other debts.