(TNS) — According to Experian, United States households carry an average of $104,215 in debt as of 2023, an increase of 4.4 percent in comparison to the year before.

Now a new study has broken down the average debt by state, Pennsylvania included.

WalletHub was behind said study, which focused on the states that had the biggest and smallest debt increases in the third quarter of 2024 based on data from such sources as the Federal Reserve.

Pennsylvania ranked on the “smallest increases” side of the spectrum, with residents of the Keystone State experiencing another $531 added to their debt.

Now, while $531 is still a good chunk of money, it’s nowhere near the increases the top three states with the largest jumps saw: Third-place Colorado, for example, was found to have an average increase of $1,022 per household while California, in second, saw a $1,075 increase.

The state in first — Hawaii — saw debt go up by an average $1,169 in households across the state.

“A big increase in a state’s average household debt can be a sign that residents are struggling financially,” says WalletHub analyst, Chip Lupo. “For example, inflation may be pushing people to borrow more just to afford necessities.

“However, residents of some states may be able to handle an increased debt load well, which is why it’s important to also consider delinquency rates to see whether people have enough income and good enough budgeting skills to keep up with higher loan payments.”

On the flip side, Mississippi — the state with the smallest overall bump — saw its average household debt go up by $330.