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"The variability between the best and the worst state is high" when it comes to handling debt, said John Pelletier, director of the Center for Financial Literacy at Champlain College in Burlington, Vermont.

Weighing the costs Pelletier's center issues a state-by-state financial report card that rates consumers' money management ability.

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It wasn't that long ago that Congress passed the Credit CARD Act of 2009, the landmark legislation that made it more difficult for consumers under the age of 21 to get a credit card in the first place.

The CARD Act requires those under 21 to have a job or other verifiable source of income to qualify for a credit card, or an adult co-signer on the account.

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