# Borrower Regret: Where People Say They Would Not Do It Again | sbloan.net

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Источник: https://sbloan.net/research/borrower-regret-map/

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# Borrower Regret: Where People Say They Would Not Do It Again

We asked borrowers a plain question: would you take this loan again? The answer depends heavily on the state.

- **44** — states in the sample
- **11937** — borrowers surveyed
- **47.3** — average share who regret the loan, %
- **23.0** — spread between states, points
- **Delaware** — most expensive state
- **Oregon** — lowest-regret state

## The numbers

States with at least 30 respondents. The 15 with the highest share of regret.

| State | Code | Respondents | Would do it again, % | Would NOT do it again, % | Fell into rollovers, %
| Delaware | DE | 33 | 24.7 | 59.2 | 37.0
| Hawaii | HI | 35 | 40.9 | 56.4 | 44.6
| Oklahoma | OK | 249 | 33.7 | 53.9 | 51.4
| Alaska | AK | 34 | 38.0 | 52.7 | 45.5
| Louisiana | LA | 247 | 32.4 | 52.4 | 49.0
| Arizona | AZ | 165 | 29.1 | 52.3 | 53.7
| Kansas | KS | 119 | 35.3 | 51.9 | 50.6
| Maryland | MD | 48 | 42.8 | 51.1 | 29.5
| Indiana | IN | 399 | 36.2 | 50.6 | 51.2
| Alabama | AL | 247 | 34.5 | 50.5 | 51.4
| Georgia | GA | 121 | 33.8 | 50.2 | 46.0
| Nebraska | NE | 81 | 32.9 | 50.1 | 49.8
| Idaho | ID | 104 | 33.5 | 49.7 | 54.3
| Missouri | MO | 382 | 34.8 | 49.6 | 47.9
| Michigan | MI | 551 | 35.6 | 49.2 | 48.5

## How we counted

- Only states with at least 30 respondents are included — below that the share swings on noise.
- «Would not do it again» is the borrower’s own answer, not our judgement.

Data updated 2026-07-31. Full dataset: [data.csv](data.csv).

## Use this research

Free to cite, quote and chart — with attribution. Journalists and researchers are welcome to reuse the table and the dataset.

**Citation:** Sbloan, “Borrower Regret: Where People Say They Would Not Do It Again”, 2026. Available at [https://sbloan.net/research/borrower-regret-map/](https://sbloan.net/research/borrower-regret-map/)

[Download the PDF report](report.pdf) [Download the data (CSV)](data.csv)