Continuing to support our clients and employees
UpdatedSep 26, 2026
Free up cash each month with Freedom Debt Relief
Ozzy S., Freedom client²
“Right away, I had more money each month because of program costs so much less than what I was paying on my minimums.”
At Freedom Debt Relief, our mission is to help everyday Americans move forward towards a better financial future. During this pandemic, our priorities are ensuring the financial wellbeing of our customers and the health of our employees.
The COVID-19 pandemic is triggering financial hardships for many Americans; reduction in work hours, job loss, and creating an uncertain financial future.
That’s why we have taken the following steps to ensure that Freedom Debt Relief continues to offer our services to any qualifying consumer who wants our help with their debt:
We have transitioned the majority of our employees to working from home for the duration of the pandemic, providing them with all the tools and technology they need to do their jobs effectively and securely.
For those employees whose roles do not allow them to work remotely, we are continuing to provide a safe, regularly sanitized work environment where social distancing is enforced.
We are continually monitoring and following recommendations from the Centers for Disease Control and state and local governments in California and Arizona, where we have office locations.
To our clients, we stay committed to helping you overcome your debt without any interruption in your program services.
To the many Americans who now have financial hardship due to the impact of COVID-19, we stand ready to serve as your partner.
Useful information and resources
Visit our blog to get more information about how to manage your debt more effectively during this pandemic.
How to Ask Creditors for Loan and Credit Card Forbearance
Coronavirus Stimulus Package: What it Means For You
Coronavirus Program Tracker: Government Benefits and Private Programs for Americans
Reducing Expenses During a Sudden Financial Hardship
Your Emergency Financial First Aid Kit
Need help? We’re here.
Worried that your credit card, medical, and other unsecured debts are getting too much for you to handle on your own? Give us a call. One of our Certified Debt Consultants can walk you through your debt options to see if the Freedom Debt Relief program could help you reduce what you owe and be debt-free. Get a free evaluation or call 800-910-0065.
Debt relief by the numbers
We looked at a sample of data from Freedom Debt Relief of people seeking credit card debt relief during August 2026. This data reveals the diversity of individuals seeking help and provides insights into some of their key characteristics.
Age distribution of debt relief seekers
Debt affects people of all ages, but some age groups are more likely to seek help than others.
In August 2026, the average age of people seeking debt relief was 54. The data showed that 27% were over 65, and 14% were between 26-35. Financial hardships can affect anyone, no matter their age, and you can never be too young or too old to seek help.
Credit card debt - average debt by selected states
According to the 2023 Federal Reserve Survey of Consumer Finances (SCF) the average credit card debt for those with a balance was $6,021. The percentage of families with credit card debt was 45%. (Note: It used 2022 data).
Unsurprisingly, the level of credit card debt among those seeking debt relief was much higher. According to August 2026 data, 88% of the debt relief seekers had a credit card balance. The average credit card balance was $15,505.
Here's a quick look at the top five states based on average credit card balance.
Avg credit card debt by state
| State | Average credit card balance | Average # of open credit card tradelines | Average credit limit | Average Credit Utilization |
|---|---|---|---|---|
| Alaska | $18,455 | 7 | $24,102 | 80% |
| South Dakota | $15,793 | 9 | $28,791 | 80% |
| Tennessee | $13,820 | 9 | $27,261 | 80% |
| Oklahoma | $13,454 | 8 | $25,731 | 80% |
| Alabama | $12,787 | 8 | $26,156 | 80% |
The statistics are based on all debt relief seekers with a credit card balance over $0.
Are you starting to navigate your finances? Trying to get out of credit card debt? Or planning for your retirement? These insights can help you make informed choices. They can help you work toward financial stability and security.
Tackle Financial Challenges
Don’t let debt overwhelm you. Learn more about debt relief options. They can help you tackle your financial challenges. This is true whether you have high credit card balances or many tradelines. Start your path to recovery with the first step.
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Author Information
Written by
Michael Micheletti
Michael Micheletti serves as the Director of Corporate Communications at Freedom Debt Relief where he is responsible for the strategic communications planning, knowledge dissemination and outreach to key consumer audiences. Before joining Freedom he held a variety of high profile communication and consumer education roles focusing on healthcare, tax and housing. He is a former reporter for FOX News, CNN and served as news director for Clear Channel Radio San Francisco.