COLORADO SPRINGS, COLO. -- When it comes to paying off debt, Coloradans have more than the national average.

Colorado consumers, that's anyone with a credit report, are about $20,000 in debt.

"It's not surprising because of the way the economy is, people are leaning towards credit because of things they need," Louise Tillery, a Colorado Springs resident, said.

According to the the figures from the Federal Reserve Bank of Kansas City overall consumer debt in Colorado declined, including Colorado's credit card debt of $10,000 on average.

However, our state's average it's still higher than the national revolving debt of $7,700.

"The economy and school is doing it to a lot for the people that are trying to better themselves," Jonathan Husted, a Colorado Springs resident, said.

As for accounts past due, more than 13 percent of student loans were delinquent. More than three percent of mortgages in Colorado are seriously delinquent, that's more than 90 days late or in foreclosure.

And while the report is full of figures that explain our state's consumer debt there's no answer as to why Colorado is worse than the national average.