More than $24.8 million in debt resolved.

Oregonians have an interesting relationship with personal debt. They have lower student loan balances and fewer underwater mortgages than national averages, but higher delinquency and default rates than people in other parts of the country.

But many residents have found ways to overcome these challenges. In many cases, debt consolidation through a credit counseling agency has provided a means for residents to regain control. The information below can help you understand how debt currently impacts residents and how some have regained stability through credit counseling. If you need help finding a path forward, call us at (833) 868-3776 or fill out an online application to request a free and confidential debt analysis from a certified credit counselor today.

We’ve helped other residents of Oregon become debt-free. We can help you, too. Start your journey out of debt today.

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Oregon Credit Card Debt Statistics

The following statistics provide a quick snapshot of personal debt in Oregon today:

Household credit card debt: $10,462
Total credit card debt in the state: $16,038,452,869
Average number of cards per user: 2.61
Average credit card debt: $6,869
Credit card delinquency rate: 7.32
Average credit card late fee: $20
Credit card fraud reports per capita: 5.53
Average credit score: 715

This chart shows a breakdown of average consumer debt in Oregon, based on the latest report of Household Debt report from the Federal Reserve.

2023 household debt in Oregon from Fed Reserve

Debt Relief Oregon: See our program in action

Case Study

Darlene from Milwaukie, OR

“Thank you so much for all of your help. We are so grateful for your services and all the help you provide. ”

Where she started:

Total unsecured debt: $56,641.00
Estimated interest charges: $32,846.24
Time to payoff: 14 years, 3 months
Total monthly payments: $2,265.64

After DMP enrollment:

Average negotiated interest rate: 5.95%
Total interest charges: $9,151.58
Time to payoff: 4 years, 8 months
Total monthly payment: $1,193.00

Time Saved

9 years, 7 months

Monthly Savings

$1,072.64

Interest Saved

$23,694.66

Case Study

Larry from Dalles, OR

“Consolidated Credit has been quite accommodating whenever we have a problem. I can’t tell you how much we appreciate the chance to get back on track. ”

Where he started:

Total unsecured debt: $27,912.00
Estimated interest charges: $16,114.80
Time to payoff: 13 years, 10 months
Total monthly payments: $1,116.48

After DMP enrollment:

Average negotiated interest rate: 9.38%
Total interest charges: $6,086.13
Time to payoff: 4 years, 3 months
Total monthly payment: $667.00

Time Saved

9 years, 7 months

Monthly Savings

$449.48

Interest Saved

$10,028.67

Case Study

Manual from White City, OR

“Great customer service! Every time I call, there is always an employee ready and willing to help me with whatever I need. ”

Where he started:

Total unsecured debt: $18,990.00
Estimated interest charges: $10,129.32
Time to payoff: 10 years, 8 months
Total monthly payments: $759.60

After DMP enrollment:

Average negotiated interest rate: 5.02%
Total interest charges: $1,535.89
Time to payoff: 4 years, 1 months
Total monthly payment: $421.00

Time Saved

6 years, 7 months

Monthly Savings

$338.60

Interest Saved

$8,593.43

Want to get rid of your debt? Contact a certified credit counselor now for a free budget and debt evaluation.

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