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Personal debt in the United States

Statistics report on personal debt in the United States

This report provides statistical insight into personal debt in the United States. Not only does it provide an overview of the level of indebtedness of households in the U.S., but there are also chapters focusing on each of the main types of lending through which individuals get indebted. Those include mortgages, car loans, credit cards, student loans, and Buy Now, Pay Later. There is also information on delinquency, attitudes towards debt and other related issues.

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Table of contents

Overview

5
  • Basic Statistic Household debt to GDP ratio in the U.S. 2014-2025
  • Basic Statistic Household debt service payments as a share of disposable income in the U.S. 2011-2026
  • Basic Statistic Total average debt in the U.S. in 2024, by generation
  • Basic Statistic Credit market debt of households in the U.S. 1960-2025
  • Premium Statistic Number of customer complaints about debt collection in the U.S. 2021-2023

Overall consumer lending

3
  • Premium Statistic Value of household debt in the U.S. 2025, by type
  • Basic Statistic Consumer credit debt of households and nonprofit organizations in the U.S. 2011-2026
  • Premium Statistic Average consumer debt in the U.S. 2010-2025

Mortgage debt

3
  • Basic Statistic Home mortgage debt of households and nonprofit organizations U.S. 2012-2026
  • Premium Statistic Average mortgage loan amount for home purchases in the U.S. 2012-2024
  • Premium Statistic Mortgage down payment for home purchase in the U.S. 2012-2025

Car loan debt

4
  • Premium Statistic Auto loan debt in the U.S. 2019-2025
  • Premium Statistic Average auto loan debt in the U.S. 2010-2025
  • Premium Statistic Average auto loan debt in the U.S. 2024, by generation
  • Premium Statistic Auto loan balance per capita in the U.S. 2026, by state

Credit card debt

4
  • Premium Forecast Penetration rate of credit cards in the United States 2011-2050
  • Premium Statistic Quarterly credit card debt in the U.S. 2010-2026
  • Premium Statistic Credit card debt in the different states of the U.S. 2025
  • Premium Statistic Average credit card balance in the United States in 2025, by age group

Student loan debt

7
  • Basic Statistic Total student loans provided in the U.S. 2003-2025
  • Premium Statistic U.S. undergraduate student aid 2024-2025, by source and type
  • Premium Statistic Average student loan debt balances in the U.S. 2024, by generation
  • Premium Statistic Number of student loan borrowers by balance U.S. 2025
  • Basic Statistic Share of student loans provided in the U.S. 2004-2025, by source
  • Premium Statistic Value of student loan debt outstanding, by repayment status U.S. 2025
  • Premium Statistic Confidence about covering college costs in the U.S. 2024, by race

Buy now, pay later (BNPL)

3
  • Premium Statistic Annual BNPL spending in the U.S. 2022-2025, with a 2031 forecast
  • Premium Statistic Buy now, pay later (BNPL) purchase value in the U.S. 2023, by type of household
  • Premium Statistic BNPL missed payments or spent too much in the U.S. 2025, by age

Loan delinquency

6
  • Premium Statistic Quarterly delinquency on consumer loans at commercial banks in the U.S. 2007-2026
  • Premium Statistic Homeowners with current or overdue mortgage payments in the U.S. in 2024, by race
  • Premium Statistic Share of people with debt in collections in the U.S. 2023
  • Premium Statistic Value of student loan debt outstanding, by repayment status U.S. 2025
  • Premium Statistic Value of delinquent debt balance per capita in the U.S. 2021-2025 (in U.S. dollars)
  • Premium Statistic Quarterly delinquency rates of credit cards and mortgages in the U.S. 2012-2026
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