April is National Financial Literacy Month, a good time to discover which states have the best and worst financial literacy, according to WalletHub, an online financial information and research firm.

Everybody can use more financial education and knowledge, but the residents of some states are more in need than others. WalletHub analyzed the financial education programs and consumer habits of residents of the 50 states and the District of Columbia to determine who knows the most and least, as well as how they put that knowledge to work.

WalletHub sites some alarming statistics. Since the beginning of 2012, Americans have collectively racked up $153 billion in new credit-card debt and 20 percent of Americans spend more than they make. In addition to looking at spending and saving habits, WalletHub considered the answers to its prior WalletLiteracy Survey, which asks consumers how they rate themselves on financial issues.

Following are the 10 areas, in reverse order, where residents fare the worst for financial literacy and a few reasons why. 2016’s Most and Least Financially Literate States is available here.

No. 10 Rhode Island

Residents of this tiny state came in last for financial education and knowledge, and ranked 44th for sustainable spending habits.

No. 9 Louisiana.

Louisiana residents ranked 50th for homes without a relationship with a bank, meaning a large proportion of residents do not have savings or checking accounts or other bank activity.

No. 8 Kentucky

Residents here ranked 48th for having a rainy-day fund and also have a high number of non-bank loans.

No. 7 Missouri

Missouri residents came in last on the WalletLiteracy Survey.

No. 6 New Mexico

New Mexico came in 50th for high school graduation rate and last for residents with a rainy day fund.

No. 5 Mississippi

Mississippi comes up short (last or next to last) for the number of households with a rainy day fund, relationship with a bank and sustainable spending habits.

No. 4 Arkansas

Arkansas residents rank 48th for having a bank relationship and 47th for WalletLiteracy Survey score.

No. 3 Nevada

Nevada ranks 49th for high school graduation rate and at the bottom for sustainable spending habits. 

No. 2 Alaska

The Last Frontier State is 44th for sustainable spending habits and 48th for high school graduation rate.

No. 1 District of Columbia

The nation’s capital is last for sustainable spending habits and next to last for high school graduation rates.