Some people have a knack for financial planning and some don’t. It seems to be the same with states; which will likely leave financial advisors with a lot more hand-holding to do with potential clients.

People in these states are more likely to have revolving credit card debt, take loans from places other than banks like high-interest payday lenders, and spend more than they earn, according to WalletHub.

WalletHub, a financial decision making site, noted that overall there is a huge financial literacy problem in the U.S. The site assessed states based on two categories: knowledge and education; and planning and daily habits.

The site looked at the high school dropout rate, results of a Financial Industry Regulatory Authority literacy survey and the percentage of adults with a bachelor’s degree, among other measures, to rate states in the first category. The second category included looking at the percentage of people who spend more than they earn, how many have a rainy-day fund and how many pay only the minimum payment on their credit cards, among other measures.

(Related: Top 10 Smartest States for Financial Literacy)

Check out the 10 Dumbest States for Financial Literacy for 2014:

Downtown Grand Rapids, Michigan.

10. MICHIGAN

Overall Score: 42nd out of 51

Literacy: 46th out of 51

Behavior: 35th out of 51

Grand Canyon and Colorado River in Arizona. (Photo: AP)

9. ARIZONA

Overall Score: 43

Literacy: 38

Behavior: 41

Kentucky Derby at Churchill Downs. (Photo: AP)

8. KENTUCKY

Overall Score: 44

Literacy: 44

Behavior: 38

The Alabama Capitol in the background of the Court Square Fountain in downtown Montgomery. (Photo: AP)

7. ALABAMA

Overall Score: 45

Literacy: 43

Behavior: 39

Castle Hill Lighthouse in Newport, Rhode Island.

6. RHODE ISLAND

Overall Score: 46

Literacy: 48

Behavior: 40

Church of San Felipe in Albuquerque, New Mexico.

5. NEW MEXICO

Overall Score: 47

Literacy: 49

Behavior: 37

Mardi Gras in New Orleans. (Photo: AP)

4. LOUSIANA

Overall Score: 48

Literacy: 40

Behavior: 49

Night skyline of Las Vegas strip.

3. NEVADA

Overall Score: 49

Literacy: 41

Behavior: 50

Night skyline of Little Rock, Arkansas.

2. ARKANSAS

Overall Score: 50

Literacy: 50

Behavior: 48

Mississippi flags at state capitol in Jackson. (Photo: AP)

1. MISSISSIPPI

Overall Score: 51

Literacy: 51

Behavior: 51

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