This map shows where Americans are most likely to pay their bills on time

Personal debt is the highest it's ever been in the United States but a large majority of Americans are dealing with it responsibly, and that's encouraging, says Kali McFadden, a senior research analyst at the loan brokerage company LendingTree. About 95 percent of borrowers who live in the largest 100 American metros are paying their bills on time, according to a LendingTree report.