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  1. If I pay my statement in full every month, does that amount still count as debt in these stats (considering it is also reported to the credit bureaus)? If so, I find this metric fairly questionable since this “debt” is essentially just an interest-free revolving account, and one could expect a person with high income and therefore high amounts of monthly charges to pull up the average numbers for their state. 

  2. This range is 5k to 8k. So on average, everyone owes more than they should but not enough to be catastrophic. The range just doesn’t seem significant enough to matter in practical terms, I don’t really know what I’m meant to understand from this graphic.