Richer state households—Connecticut, California, Washington—have higher costs of living and are carrying higher credit card balances. But they also manage to pay them off quickly with their larger incomes.

On the other hand, households in poorer states have below-average debt but it take closer to two years for them to pay it off.

This highlights the unequal debt burden across America. While the people living on the coasts have higher costs, they’re compensated by their incomes. However the South’s lower costs are not as evenly compensated.

And of course, compound interest is not a game played in favor of the borrower.