Household Debt Hit $18.8 Trillion, But Surprisingly Higher Paychecks Aren’t Helping

Americans are drowning in a record $18.8 trillion of household debt

Delinquency rates are rising across credit cards, student loans, and mortgages even as wages climb

Household Debt Hit $18.8 Trillion, But Surprisingly Higher Paychecks Aren’t Helping

The post Household Debt Hit $18.8 Trillion, But Surprisingly Higher Paychecks Aren’t Helping appeared first on 24/7 Wall St.. Quick Read Household debt hit $18.8 trillion at end-Q4 2025, up $4.6 trillion since 2019, with credit card balances climbing 5.5% year-over-year to $1.28 trillion while student loan delinquencies reached 9.6% of outstanding balances and early transitions rose across mortgages. Households are borrowing more despite nomi…