North Carolinians pay less of their paycheck each month on credit cards, student loans, and housing than people in most states around us and across the country, according to data compiled by lending marketplace

Michigan has the lowest monthly debt-to-income ratio (25.27%) and Hawaii has far and away the highest (36.15%). North Carolina’s 28.30% is twelfth in the nation, just 0.11% more than seventh-ranked Ohio. Georgia ranks 10th with a debt-to-income ratio of 28.24%, and other neighboring states rank 3oth or worse.

Maybe North Carolina’s triple-AAA bond rating reflects common sense among its citizens.