The report used information from credit checking company Experian to build a profile of those who have sunk badly into debt.
Families dependent on benefits made up around one fifth (20.2%) of those who are over-indebted, while "worried" working families who find being in debt a constant burden accounted for a similar proportion (19.4%).
Nearly one in 10 (9.8%) of those with bad debts were identified as people who are working for the first time and one in eight (11.3%) are struggling students. Some 1.1% of this group are people eking out an uncomfortable retirement.
Almost three-fifths (58%) of those with severe debts were found to be in employment and nearly half (48%) live in a privately-owned home.
More top news
The Government has faced repeated calls to suspend arms sales to Saudi Arabia after "repeated and serious breaches" of alleged abuses.
Stewart was found guilty of murdering his fiancee, children's author Helen Bailey, in a plot to get his hands on her fortune.
The Government can control migration from outside the EU and it is the same as that from the EU, a major reason for the Brexit vote.