is related to another, and another, but ultimately age-adjusted is the biggest issue (not the only one). Age, home size, home ownership % (by age) all need to be taken into account. For example, Utah has far higher home ownership percentage than Texas. And while I don't have the data, I would guess that for young people (20-30) home ownership in Utah is 50% or more higher than most states. So take all these variables, higher percentage of young people 18-34 than anywhere else (lower income), higher home ownership overall and for that demographic than anywhere else, and larger home sizes to accommodate more kids than anywhere else. And what does that give you? Higher debt loads. To look at this more fairly you would need to adjust for age, add rent in for people that don't own, and adjust for household size. It did none of that.

Anyway, here is one example of data that isn't considered.