US household debt delinquencies rose at the end of 2025 as student loan pressures intensified
US household debt reached 18.8 trillion dollars in late 2025. Lower income families and student loan borrowers face the most intense financial stress currently.
The Federal Reserve Bank of New York released its quarterly household debt report for the fourth quarter of 2025 on February 10, 2026, showing a modest increase in overall credit troubles in the United States 
US. The report, which monitors the household credit sector, states that total aggregate household debt reached $18.8 trillion during this period. This increase was primarily driven by rising mortgage delinquency flows and a sharp deterioration in student-loan delinquencies, highlighting specific pressures within the mortgage market and the performance of student loans.
US. The report, which monitors the household credit sector, states that total aggregate household debt reached $18.8 trillion during this period. This increase was primarily driven by rising mortgage delinquency flows and a sharp deterioration in student-loan delinquencies, highlighting specific pressures within the mortgage market and the performance of student loans.
