We help Pennsylvanians like you start their debt relief journeys.

Pennsylvanians don’t have a monopoly on debt problems, but residents do face some unique challenges. For example, Pennsylvanians carry some of the highest student loan debt balances in the nation.

Challenges like this can make it difficult to maintain financial stability, especially if you also happen to be struggling personally with credit card debt. The information below can help you understand your situation. If you’re working to regain control, call us at (844) 325-5549 or complete an online application to request a free confidential debt evaluation from a certified credit counselor.

Start finding the debt relief you deserve and join your fellow debt-free Pennsylvanians today.

Free Evaluation

Pennsylvania Credit Card Debt Statistics

Here is what the current financial environment looks like in Pennsylvania.

Household credit card debt: $9,975
Total credit card debt in the state: $47,251,993,421
Average number of cards per user: 2.97
Average credit card debt: $6,777
Credit card delinquency rate: 9.88
Average credit card late fee: $20
Credit card fraud reports per capita: 15.06
Average credit score: 708

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

2023 household debt in Pennsylvania from Fed Reserve

Debt Relief Pennsylvania: See our program in action

Case Study

Donna from Brackenridge, PA

“This was the most painless, hassle-free experience ever. I would highly recommend Consolidated Credit to anyone in serious debt. ”

Where she started:

Total unsecured debt: $24,709.00
Estimated interest charges: $14,319.46
Time to payoff: 13 years, 3 months
Total monthly payments: $818.04

After DMP enrollment:

Average negotiated interest rate: 4.33%
Total interest charges: $2,549.95
Time to payoff: 5 years
Total monthly payment: $457.00

Time Saved

8 years, 3 months

Monthly Savings

$361.04

Interest Saved

$11,769.51

Case Study

Joe from Monessen, PA

“Consolidated Credit is helping us get our lives back on track. Starting from a very scary situation, we’re making progress to be free of crippling debt in just a few years. ”

Where he started:

Total unsecured debt: $72,516.00
Estimated interest charges: $42,624.15
Time to payoff: 16 years, 7 months
Total monthly payments: $2,900.64

After DMP enrollment:

Average negotiated interest rate: 5.28%
Total interest charges: $10,765.25
Time to payoff: 4 years, 8 months
Total monthly payment: $1,496.00

Time Saved

11 years, 11 months

Monthly Savings

$1,404.64

Interest Saved

$31,858.90

Case Study

Keith from Wind Gap, PA

“To go from over $30,000 in debt down to just over $300 now is an amazing thing. Couldn’t have done it without Consolidated. You’re an awesome group that really does care. ”

Where he started:

Total unsecured debt: $30,858.00
Estimated interest charges: $17,882.31
Time to payoff: 14 years, 1 month
Total monthly payments: $1,234.32

After DMP enrollment:

Average negotiated interest rate: 5.44%
Total interest charges: $3,402.86
Time to payoff: 4 years, 5 months
Total monthly payment: $649.00

Time Saved

9 years, 8 months

Monthly Savings

$585.32

Interest Saved

$14,479.45

You deserve a life free from debt. Talk to a certified credit counselor today for a free budget and debt evaluation to start your journey.

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