Debt Levels and Their Implications
The average Mexican debt in 2025 reached 193,198 pesos across credit cards, loans, and other forms of credit, marking a 6.3% increase from the previous year, according to Bravo.
In 2024, the average debt was 181,751 pesos. This indicates a significant rise of 11,447 pesos in just one year.
Financial Mismanagement: The Primary Cause
Bravo, formerly Resuelve tu deuda and now a specialized company in debt liquidation, analyzed data from over 30,000 active clients by the end of 2025.
The main reason for the growing debt is poor financial management, attributed to a lack of financial education and knowledge. Seventy-two percent of survey respondents reported that their monthly expenses exceed their income.
Debt Prevalence Among Mexicans
For many, the word “debt” evokes fear and thousands of wasted pesos in interest. For others, it represents a chance for personal, professional, and long-term growth or, as some say, a necessary evil.
According to the latest National Financial Health Survey (ENSAFI) by the National Institute of Statistics and Geography (INEGI), 36.2% of the population aged 18 and over has some form of debt.
INEGI data shows that 27.3% of those with debt have fallen behind on credit or loan payments, with slightly higher levels among 18-49 year-olds.
Furthermore, 5% of respondents admitted to having excessive debt, and 11.1% reported high-level debt.
Declining Income Amidst Rising Debt
Bravo’s analysis indicates that the average general income among the population was 24,426 pesos in 2025, down from 25,166 the previous year.
This gap between debt and income highlights varying financial realities and the need for personalized approaches to debt management.
Age Groups and Their Debt Levels
The most indebted demographic is the productive age group, with those aged 31-35 accounting for 21% of total debtors and an average debt of 175,192.95 pesos.
The 36-40 age group follows closely, with an average debt of 205,392.21 pesos.
The Profile of the Mexican Debtor in 2025 underscores the importance of conscious financial management. Without clear understanding of income, effective budget planning, and responsible consumption habits, individuals may face financial instability.
For those aged 41-45, the situation is more pronounced with an average debt of 221,620.70 pesos, which continues to rise with age, peaking at 292,090.10 pesos for those over 66.
This phenomenon reflects the accumulation of obligations over time and may be linked to economic demands specific to these age groups and their access to long-term financial commitments.
The youngest group among Bravo’s clients, aged 21-25, constitutes 4% of debtors with an average debt of 79,283.86 pesos, highlighting early integration into the credit system and the critical importance of financial education from a young age.
Poor Financial Management
More than half of Mexicans end each month with empty pockets, waiting for their paycheck. According to the Global State of the Consumer Tracker (GSCT), 54% of the population has a zero balance in their bank account at the end of the period.
Only 8% of Mexicans “always” have extra money at the end of the month, while 30% struggle to make ends meet, according to ENSAF.
Insufficient income, persistent inflation, unemployment, and poor financial planning are factors contributing to this situation, according to Mario Di Costanzo, former president of the National Commission for the Protection and Defense of Financial Services Users (CONDUSEF).
