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Idaho Families Juggle Low Income and Unemployment

The providers of CareOne Debt Relief Services® have helped over 5 million people. If you’re in debt, we understand what a stressful and confusing experience it is, because many of us have been there ourselves and we want to help you learn how to manage your debt and take back control. We hear from our customers nationwide about mounting bills and a lack of employment opportunities. It’s too easy to fall behind, and then fall into debt. This is just as true in Idaho, which ranks 49th out of all states for per capita personal income, 20% lower than the national average1.

Idaho families have clearly come under pressure during the recession. In 2010 31% of Idaho’s children lived in households where neither parent had secure, full-time employment2. CareOne’s own data shows that the number of Idahoans seeking debt relief who claimed one or more dependant increased by a staggering 122% between 2010 and 2011 and was 6% higher than the national average.

Despite the fact that Idaho’s unemployment rate decreased from its 2010 high3 of 9.5% to 7.7% in June 2012, many still face financial challenges even if they have found employment. The Idaho Department of Labor reports4 that one in five workers was underemployed in 2011. This may be due to being overqualified for their job but unable to find better-paying work, or holding temporary or part-time jobs while seeking full-time employment. Since the onset of the recession, Idaho’s proportion of minimum wage workers jumped from 2.8% of hourly workers in 2007 to 7.6% in 2010, even as the minimum hourly wage rose by 24%. Idaho’s average debt per consumer was around $16,800 in the third quarter of 2011, excluding first mortgages5 . Loan delinquency rates (more than 30 days past due) were marginally lower than the country as a whole for auto loans, bank card loans, and mortgages. Only in the area of student loans were Idaho delinquency rates (12.7%) higher than the U.S. average (11%).

We know from our own data that the average amount owed by Idaho residents seeking debt relief dropped by 8% in 2011, although it was still 2% higher than the national average. However, the number of debts reported grew by 6%, as they owed to more individual creditors.

CareOne providers are committed to helping Idaho residents free themselves from debt. Our Certified Personal Finance Counselors® will take you step-by-step through the solutions available to suit your personal financial circumstances and budget. We’ll provide a free debt analysis and then help you choose an action plan especially tailored for you.

To learn more about debt in other Mountain states see our articles on Montana, Wyoming, Nevada, Utah, Colorado, Arizona  and New Mexico


1 U.S. Bureau of Economic Analysis and Office of the Census, http://www.bea.gov/newsreleases/regional/spi/2012/pdf/spi0312.pdf
2 Kids Count, Annie E. Casey Foundation, http://datacenter.kidscount.org/DataBook/2012/OnlineBooks/ForMedia/StateNewsReleases/2012DataBookIdahoNews.pdf
3 Idaho’s Job Recovery to Remain Slow In 2011, Idaho Department of Labor, http://lmi.idaho.gov/Portals/13/PDF/LMI%20Home/Economic%20Outlook%202011.pdf
4 Idaho Employment, Idaho Department of Labor, July 2012, http://labor.idaho.gov/publications/lmi/pubs/idempnews/iecur.pdf
5 Consumer Credit Conditions, Federal Reserve Bank of San Francisco, http://www.frbsf.org/publications/community/consumer-credit-conditions/ConsumerCredit_ID-11Q3.pdf
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