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https://www.usatoday.com/story/money/2025/11/21/americans-going-into-debt-over-death/87380829007/?tbref=hp

Americans are going into debt over death. Here are affordability tips

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1. cost and debt

37% of Americans have taken on debt after a loved one’s death
59% used credit cards

In the Debt.com

22% of respondents opined that the average funeral costs less than $5,000, and most put the cost at less than $10,000.

As of 2023, the median cost of a funeral nationwide was $7,848

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the total can easily approach $15,000 to $20,000

2. consumer rights

Choices include burial vs. cremation,
whether to hold a graveside service, and
whether to have a formal funeral or a more informal memorial.

Federal Trade Commission’s Funeral Rule
https://www.ftc.gov/news-events/topics/truth-advertising/funeral-rule

You have the right to see a price list from the funeral home.
You generally have the right to choose which funeral services you want, and which to wave off.
You have the right to buy a casket somewhere else.

3. plan ahead

The choice of funeral home is often the single biggest factor affecting how much you pay

All funeral providers must offer “direct cremation” and “direct burial,” according to the consumer group. Those services exclude embalming and ceremony

Americans are going into debt over death

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