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10/2/2011. David Orenstein ALA/APA Presentation, June 26, 2006. United Stated Federal Reserve Report. Non-Mortgage Consumer Debt is at a record $1.98 Trillion Dollars. This averages to a household debt of about $18,700. United Stated Bureau of Labor Statistics. Average employee income is $37,500. This means non-mortgage household debt is 50% of the average workers income. .

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