FAYETTEVILLE, Ark. (KNWA/KFTA) — Americans started 2022 off with over $1 trillion in collective credit card debt, and on July 26 the personal finance website WalletHub released a report on the U.S. states with the highest and lowest credit card debts.

Arkansas checked in with the second-lowest sustainable amount of credit card debt in the nation. Only Mississippi ranked lower. The ranking methodology factored in the cost and time required to pay off balances.

Source: WalletHub

The three locations with the highest debt in the rankings were Alaska, Washington D.C. and Washington state.

The median debt amount in Arkansas was listed as $1,949, with an average time to pay that off calculated as 10 months and 19 days.

The full report is available here.