As of this year, the Federal government debt is: $8.2 trillion
House Hold Credit card and Auto loan debts are $2 trillion + but we'll just round to $2 trillion.
House Hold Mortgage debts are around $8 trillion
That's $18.2 trillion on Federal and House Hold debt.
The remainder is eaten up between corporate and state/municipality debt.
Sorry, the $51 trillion was households only. That's household assets minus household debt equals $51 trillion.