U.S. Consumer Delinquencies Remain Near Multi-Decade Highs

Serious consumer delinquencies remain historically elevated across the U.S.
Student loan serious delinquencies rose 0.3 percentage points in Q2 2026 to 10.6%, the highest level since Q1 2020.
That marked the third consecutive quarterly increase, bringing the total rise over the period to 1.2 percentage points.
Credit card 90+ day delinquencies now stand at 12.9%, the second-highest level since Q1 2011 and approaching the 13.7% peak reached in Q2 2010 following the Financial Crisis.
Auto loan 90+ day delinquencies have climbed to 5.5%, the second-highest level on record and above the Q4 2010 level.
Across student loans, credit cards and autos, the data shows growing pressure on U.S. consumers struggling to keep up with debt payments.