In Italy, a typical consumer would need to set aside an average of 17 months' salary to pay off their debt (including mortgages and other loans). Compiled by Il Sole 24 Ore, this is the average ratio of wages to debt among the population with active credit. TThe number of monthly salaries required to pay off the capital can reach almost 30 in Rimini, or 27 in Prato and Grosseto. On the other hand, in Frosinone and Biella, only 13 months are needed. Such stark contrasts reflect a geography of variable debt. The average residual debt (i.e., the total

of active loans that have yet to be repaid) is higher in regions with a higher prevalence of mortgages or higher average house prices. In Trentino-Alto Adige, average debt reaches €49,226, while in Lombardy it stands at €40,294. In contrast, Calabrians have an average debt that is less than half that of Trentino residents (€19,292), which is a result of reduced house prices and a mortgage burden that is below the average. In Sicily and Molise, the amount owed does not exceed €22,000. In addition to the distinct mortgage burden, the provincial debt map also illustrates the varying savings capacity of families and the varying propensity to pursue financing. Other factors influencing debt burden include the tendency to stay in the parental house for an extended amount of time, the family's ability to give financial support, and the varying intensity of economic recovery across the region.