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US Household Debt Hits Record $18.6 Trillion: The Warning Signs Are Everywhere
Key Takeaways: American household debt reached a record $18.59 trillion in Q3 2025, rising $197 billion from the previous quarter Credit card debt surged to $1.233 trillion with average APR hitting 22.83%, while serious delinquency rates reached 12.41% — the highest since 2011 Among borrowers aged 18-29, serious delinquency rates hit 5% in Q3 — more than double the rate from a year earlier Student loan delinquencies exploded to 9.4% of total debt as federal payment reporting
Nov 12, 20256 min read
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