But what's the main cause?

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The State of Debt in America 2026

Our Latest Report

What we learned

We asked 1,000 U.S. adults about their debt — what's causing it, their feelings about it and how they manage. We learned that nearly 70% of Americans say they’re in debt, with inflation as the number one culprit. Some say they've had to put groceries or utilities on their credit cards. And though many recognize they're facing intense economic headwinds, a third of our respondents say they blame themselves for being in debt.

The Full Story
 
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Get Paid Without Ever Opening Your Laptop

Ugh, who wants to lug out the ol' laptop after your workday? Use these moves to make money on your mobile instead.

Phone It In →

 
a family of three caught up in a tense conversation

Dear Penny: My Sister's Scamming Our Dad

In this installment of Dear Penny, we explore a sad tale of how sharing a rental with family members went terribly awry. 

Avoid This Mistake →

an infographic about the top reasons Americans are in debt
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Quick Fixes When Rent's Almost Due

No feeling is more dire than when you think you can't make rent. Here are some quick ways to make up the gap.

Don't Miss Rent →

Search for Your Next Role on Our Job Board

If you're looking for your next opportunity, or have a job-seeker in your life, The Penny Hoarder has a job board especially for WFH roles.

Search Remote Jobs →

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Earn Extra Cash in 30 Minutes or Less

How much time do you spend online scrolling, clicking and buying things? It's probably more than 30 minutes a day. But what if you could be earning money during that time instead?

Power Up →