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Story summary
- Total U.S. household debt reached a record $18.8 trillion in Q4 2025, up $191 billion.
- Mortgage balances rose $98 billion to $13.17 trillion.
- Credit card balances rose to $1.28 trillion, auto loans to $1.67 trillion, and student loans to $1.66 trillion.
- Mortgage delinquencies stay near historical norms but rise in lower-income areas, and 6% of student loans are delinquent for three months or more.
