Overall consumer debt in Utah continued to decline in the third quarter of 2011, consistent with national trends. The average debt per consumer (excluding first mortgages) in Utah was close to $16,700 for Q3, which was lower than the national average of roughly $17,200. Average revolving debt per consumer in Utah, which includes balances related to bank cards, revolving home equity, and retail, was roughly $7,500 for Q3, which was lower than the national figure of about $7,800. Total consumer debt and revolving debt have fallen since their peaks in 2009, but debt levels remain above those from the earlier part of the decade.