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Gen Z Faces Largest Credit Score Drop Since 2020

9/20/2025

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Summary

Story summary

Gen Z's credit scores dropped more than any other generation in the past year, primarily due to student loan debt.
FICO's report shows the national average credit score fell two points to 715, while Gen Z's average decreased three points to 676.
This decline is the largest year-over-year drop among all age groups since 2020, reflecting financial challenges for younger individuals.
The report was released in New York on September 19, 2025.

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Story summary

Gen Z's credit scores dropped more than any other generation in the past year, primarily due to student loan debt.
FICO's report shows the national average credit score fell two points to 715, while Gen Z's average decreased three points to 676.
This decline is the largest year-over-year drop among all age groups since 2020, reflecting financial challenges for younger individuals.
The report was released in New York on September 19, 2025.