Average credit card debt in Hawaii dropped 11 percent in January to $7,524, compared to the same month in 2011, according to a report from CreditKarma.com.

While the year-over-year credit card debt was lower, January’s average was just $3 less than December’s figure of $7,427. Nationally, credit card debt fell 8 percent from December to January to $6,069.

Hawaii consumers did better than the national average for credit scores, however. The average credit score in Hawaii in January was 672, compared to 661 nationally.

Hawaii consumers also had an average of $309,311 in home mortgage debt, which was slightly higher than December’s average of $307,508 and markedly higher than the national average of $168,101. Hawaii didn’t have the highest mortgage in the nation — that distinction went to Silicon Valley in California.

The average auto loan debt in Hawaii in January was $15,898, a 2 percent increase from $15,552 in December, and 5 percent higher than the national average of $15,112.

The only category in which Hawaii consumer debt was lower than the national average was student loans. The average student loan debt in Hawaii last month was $24,758, just 1 percent higher than December’s average of $24,418, but 2 percent below the national average of $25,527.