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A new study from the Urban Institute has mapped out American debt by state, and found that Utah has the lowest percentage of state population with past due debt.

UI also found the percentage of state populations with debt in collections, the average total amount of collections debt, and each state's household income for comparison purposes.

Read through the list to discover the 25 states with the lowest percentage of past due debt.

25 Pennsylvania
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Share with past due debt: 5.1 percent

Share with debt in collections: 30.9 percent

Average debt in collections: $4,952

Average household income: $70,352

24 New Hampshire
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Share with past due debt: 5.0 percent

Share with debt in collections: 27.4 percent

Average debt in collections: $5,862

Average household income: $81,747

23 North Dakota
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Share with past due debt: 5.0 percent

Share with debt in collections: 19.2 percent

Average debt in collections: $5,265

Average household income: $73,553

22 Maryland
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Share with past due debt: 4.9 percent

Share with debt in collections: 36.8 percent

Average debt in collections: $4,273

Average household income: $94,160

21 Indiana
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Share with past due debt: 4.9 percent

Share with debt in collections: 35.5 percent

Average debt in collections: $4,846

Average household income: $62,167

20 Michigan
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Share with past due debt: 4.7 percent

Share with debt in collections: 34.7 percent

Average debt in collections: $4,352

Average household income: $63,951

19 New York
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Share with past due debt: 4.7 percent

Share with debt in collections: 28.3 percent

Average debt in collections: $5,147

Average household income: $82,630

18 Illinois
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Share with past due debt: 4.6 percent

Share with debt in collections: 33.9 percent

Average debt in collections: $5,101

Average household income: $76,299

17 Hawaii
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Share with past due debt: 4.6 percent

Share with debt in collections: 22.7 percent

Average debt in collections: $5,731

Average household income: $83,006

16 District of Columbia
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Share with past due debt: 4.5 percent

Share with debt in collections: 41.8 percent

Average debt in collections: $3,547

Average household income: $103,652

15 Kansas
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Share with past due debt: 4.5 percent

Share with debt in collections: 30.9 percent

Average debt in collections: $5,027

Average household income: $67,591

14 Massachusettes
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Share with past due debt: 4.5 percent

Share with debt in collections: 23.0 percent

Average debt in collections: $4,602

Average household income: $90,576

13 Virginia
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Share with past due debt: 4.4 percent

Share with debt in collections: 31.7 percent

Average debt in collections: $4,976

Average household income: $85,877

12 Idaho
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Share with past due debt: 4.4 percent

Share with debt in collections: 28.3 percent

Average debt in collections: $6,441

Average household income: $59,573

11 Colorado
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Share with past due debt: 4.3 percent

Share with debt in collections: 31.2 percent

Average debt in collections: $5,837

Average household income: $77,606

10 Nebraska
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Share with past due debt: 4.3 percent

Share with debt in collections: 23.9 percent

Average debt in collections: $5,394

Average household income: $66,072

9 Wisconsin
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Share with past due debt: 4.2 percent

Share with debt in collections: 26.5 percent

Average debt in collections: $5,260

Average household income: $66,985

8 Wyoming
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Share with past due debt: 4.1 percent

Share with debt in collections: 28.2 percent

Average debt in collections: $6,803

Average household income: $69,214

7 Iowa
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Share with past due debt: 4.1 percent

Share with debt in collections: 26.3 percent

Average debt in collections: $4,810

Average household income: $65,466

6 Montana
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Share with past due debt: 4.1 percent

Share with debt in collections: 26.2 percent

Average debt in collections: $6,543

Average household income: $60,867

5 Minnesota
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Share with past due debt: 4.1 percent

Share with debt in collections: 19.8 percent

Average debt in collections: $5,682

Average household income: $77,374

4 North Carolina
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Share with past due debt: 4.0 percent

Share with debt in collections: 40.3 percent

Average debt in collections: $4,280

Average household income: $62,709

3 New Jersey
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Share with past due debt: 3.9 percent

Share with debt in collections: 29.2 percent

Average debt in collections: $4,309

Average household income: $95,457

2 Washington
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Share with past due debt: 3.7 percent

Share with debt in collections: 31.2 percent

Average debt in collections: $5,795

Average household income: $76,926

1 Utah
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Share with past due debt: 3.4 percent

Share with debt in collections: 29 percent

Average debt in collections: $5,828

Average household income: $72,924