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In the first quarter of 2026, the debt service payments to disposable income ratio in the United States was slightly lower than in the previous quarter. That came after a sharp drop of the ratio in 2020 and 2021, which was followed by a rapid increase of the debt service payments, as they represented over 11.16 percent of their personal disposable income in the first quarter of 2026. In this context, debt service refers to the amount of money that households need to pay up their debts, including the interest rates of their loans and lending.