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US consumers are feeling the stress of inflation, interest rates, report shows
The average FICO credit score dropped by 2 points as 10% of monitored borrowers fall behind on student loans, signaling rising financial challenges despite strong overall credit health.
- On Tuesday, Fair Isaac Corporation said some U.S. consumers show rising stress as inflation and higher interest rates reduce affordability and strain borrowers.
- The FICO report found student loan delinquencies hit a record high this year, with Gen Z adults in the U.S. facing the sharpest score declines due to student loan pressure.
- FICO reported the overall national FICO score dipped about 2 points, yet the average FICO Score of 715 remains near historical highs, though risks to future credit health exist, the FICO report said.
- Some of the nation's largest banks said consumers remain in good financial health and see few signs of credit quality deterioration despite the cooling U.S. job market.
- The report notes more than 10% of 21 million customers monitored by FICO had student repayments due with over 10% falling behind, and the 600–749 score cohort fell from 38.1% in 2021 to 33.8% in 2025.
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Total News Sources7
Leaning Left1Leaning Right1Center5Last UpdatedBias Distribution71% Center
Bias Distribution
- 71% of the sources are Center
71% Center
14%
C 71%
14%
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