Financial distress is measured by factors such as accounts in forbearance, deferred payments, bankruptcy filings, and changes in credit scores. WalletHub analyzed all 50 states using nine key metrics to calculate overall financial stress. Texas ranked first, with high rates of searches for debt and loans, and a 22% increase in non-business bankruptcy filings over the past year. Florida led the nation in the share of residents with accounts in financial distress and was second in average accounts per person affected. The state also ranked ninth in average credit score, while previous data showed Floridians have the second-highest credit delinquency rate nationally. Louisiana, Nevada, and South Carolina completed the top five most financially distressed states.