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1 in 3 Americans are unable to make full monthly debt payments, Achieve and Money.com survey finds

$ACHVPress releaseMay 18, 2026, 10:11 AM ETRead the release

Achieve and Money.com released a joint survey finding that 34% of U.S. consumers cannot make full monthly debt payments. The study highlights a link between rising debt and deteriorating mental and physical health, with half of respondents reporting anxiety or sleep issues due to financial stress.

Key figures

Debt free pct
33%
Overwhelmed pct
44%
Substance use pct
20%
Hopeful future pct
75%
Digestive issues pct
35%
Trouble sleeping pct
49%
Debt unmanageable pct
28%
Fatigue low energy pct
50%
Headaches migraines pct
38%
Intimacy challenges pct
25%
Used payday lenders pct
11%
Anxious about finances pct
50%
Depleted emergency funds pct
23%
Open to debt negotiation pct
44%
Delayed medical treatment pct
14%
Open to debt consolidation pct
48%
Reduced spending essentials pct
26%
Unable to make full payments pct
34%
Reduced spending unmanageable debt pct
47%

AI analysis

The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.

AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.