Story perspectives

FICO Score Dips: Gen Z and Student Loans Hit Hard

9/16/2025

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Summary

Story summary

The national average FICO score fell two points to 715 in 2025, marking the largest drop since the 2008 financial crisis.
Approximately 9.7 million student loan borrowers are experiencing credit score declines due to missed payments and increased credit card usage.
Gen Z, aged 18-29, saw an average drop of three points, with 14% losing 50 points or more.
Delinquency rates for auto loans and credit cards are at their highest since 2009, reflecting financial stress despite Wall Street's gains.
Many Americans prioritize essential payments, placing student loans at the bottom of their payment hierarchy.

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Story summary

The national average FICO score fell two points to 715 in 2025, marking the largest drop since the 2008 financial crisis.
Approximately 9.7 million student loan borrowers are experiencing credit score declines due to missed payments and increased credit card usage.
Gen Z, aged 18-29, saw an average drop of three points, with 14% losing 50 points or more.
Delinquency rates for auto loans and credit cards are at their highest since 2009, reflecting financial stress despite Wall Street's gains.
Many Americans prioritize essential payments, placing student loans at the bottom of their payment hierarchy.