Share of U.S. Families With Overdue Loan Payments Surges to 19.6% in 2025, Highest Since 2010, Fed Data Shows

The percentage of U.S. families reporting overdue loan payments surged to 19.6% in 2025, the highest since 2010, according to Fed data. That is a sharp increase from 12.2% in 2022, and it reverses the gradual improvement between 2013 and 2019, when the percentage declined by 2.6 points.
More than 8.0% of families reported being at least two months behind on payments, up from 5.0% in 2022. This comes despite the typical family debt load remaining unchanged since 2022, suggesting that more households are struggling to keep up with existing financial obligations.