Personal debt in the U.S. - statistics & facts
Key insights
- U.S. public debt as share of GDP
- 97%

Detailed statistics
U.S. public debt and forecast as a percentage of GDP 2000-2033
- U.S. household debt as share of GDP
- 73.05%

Detailed statistics
Household debt to GDP ratio in the U.S. 2014-2023
- Share of U.S. non-performing loans held by banks
- 0.7%

Detailed statistics
Share of non-performing loans to total gross loans in the U.S. 2009-2022
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Overview
4
- Basic Statistic Household debt to GDP ratio in the U.S. 2014-2023
- Basic Statistic Household debt service payments as a share of disposable income in the U.S. 2011-2023
- Premium Statistic Value of household debt in the U.S. 2022, by type
- Basic Statistic Total average debt in the U.S. in 2022, by generation
Overview
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Basic Statistic
Household debt to GDP ratio in the U.S. 2014-2023
Household debt to GDP ratio in the U.S. 2014-2023
Household debt to GDP ratio in the United States from 1st quarter 2011 to 1st quarter 2023
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Basic Statistic
Household debt service payments as a share of disposable income in the U.S. 2011-2023
Household debt service payments as a share of disposable income in the U.S. 2011-2023
Household debt service payments as a share of disposable personal income in the United States from 1st quarter 2011 to 1st quarter 2023
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Premium Statistic
Value of household debt in the U.S. 2022, by type
Value of household debt in the U.S. 2022, by type
Value of household debt in the United States as of 2nd quarter 2022, by type (in trillion U.S. dollars)
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Basic Statistic
Total average debt in the U.S. in 2022, by generation
Total average debt in the U.S. in 2022, by generation
Total average debt in the United States in 2022, by generation (in 1,000 U.S. dollars)
Overall consumer lending
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- Basic Statistic Consumer credit debt of households and nonprofit organizations in the U.S. 2011-2023
- Premium Statistic Average consumer debt in the U.S. 2010-2022
- Premium Statistic Amount of personal debt held in the U.S. 2018-2023
- Premium Statistic Main source of non-mortgage debt among consumers in the U.S. 2023
Overall consumer lending
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Basic Statistic
Consumer credit debt of households and nonprofit organizations in the U.S. 2011-2023
Consumer credit debt of households and nonprofit organizations in the U.S. 2011-2023
Consumer credit debt of households and nonprofit organizations in the United States from 1st quarter 2011 to 1st quarter 2023 (in trillion U.S. dollars)
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Premium Statistic
Average consumer debt in the U.S. 2010-2022
Average consumer debt in the U.S. 2010-2022
Average consumer debt balance in the United States from 2010 to 2022 (in 1,000 U.S. dollars)
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Premium Statistic
Amount of personal debt held in the U.S. 2018-2023
Amount of personal debt held in the U.S. 2018-2023
Average volume of personal debt other than mortgage held in the United States from 2018 to 2023 (in U.S. dollars)
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Premium Statistic
Main source of non-mortgage debt among consumers in the U.S. 2023
Main source of non-mortgage debt among consumers in the U.S. 2023
Leading sources of non-mortgage debt among consumers in the United States in 2023
Mortgage debt
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Basic Statistic
Home mortgage debt of households and nonprofit organizations U.S. 2012-2023
Home mortgage debt of households and nonprofit organizations U.S. 2012-2023
Home mortgage debt of households and nonprofit organizations in the United States from 1st quarter 2012 to 1st quarter 2022 (in trillion U.S. dollars)
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Premium Statistic
Average mortgage loan amount for home purchases in the U.S. 2012-2022
Average mortgage loan amount for home purchases in the U.S. 2012-2022
Average mortgage loan amount for home purchases in the United States from 2012 to 2022 (in U.S. dollars)
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Premium Statistic
Mortgage down payment for home purchase in the U.S. 2012-2023
Mortgage down payment for home purchase in the U.S. 2012-2023
Median mortgage down payment for home purchase in the United States from 2012 to 2023 (in U.S. dollars)
Car loan debt
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Premium Statistic
Auto loan debt in the U.S. 2019-2022
Auto loan debt in the U.S. 2019-2022
Total outstanding auto loan debt in the United States from 2019 to 2022 (in trillion U.S. dollars)
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Premium Statistic
Average auto loan debt in the U.S. 2010-2022
Average auto loan debt in the U.S. 2010-2022
Average auto loan debt in the United States from 2010 to 2022 (in U.S. dollars)
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Premium Statistic
Average auto loan debt in the U.S. 2022, by generation
Average auto loan debt in the U.S. 2022, by generation
Average auto loan debt in the United States in 2022, by generation (in U.S. dollars)
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Premium Statistic
Average auto loan balance in the U.S. 2022, by state
Average auto loan balance in the U.S. 2022, by state
Average auto loan balance in the United States in 2022, by state (in U.S. dollars)
Credit card debt
5
- Premium Statistic Penetration rate of credit cards in the United States 2013-2028
- Premium Statistic Quarterly credit card debt in the U.S. 2010-2023
- Premium Statistic Credit card debt in the different states of the U.S. 2022
- Premium Statistic Average credit card balance in the United States in 2023, by age
- Premium Statistic Share of adults planning to carry credit card balance in the U.S. 2020-2023
Credit card debt
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Premium Statistic
Penetration rate of credit cards in the United States 2013-2028
Penetration rate of credit cards in the United States 2013-2028
Penetration rate of credit cards in the United States from 2013 to 2028
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Premium Statistic
Quarterly credit card debt in the U.S. 2010-2023
Quarterly credit card debt in the U.S. 2010-2023
Credit card debt in the United States from 2nd quarter 2010 to 2nd quarter 2023 (in billion U.S. dollars)
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Premium Statistic
Credit card debt in the different states of the U.S. 2022
Credit card debt in the different states of the U.S. 2022
Average credit card debt in the United States in the 4th quarter of 2022, by state (in U.S. dollars)
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Premium Statistic
Average credit card balance in the United States in 2023, by age
Average credit card balance in the United States in 2023, by age
Average credit card balance in the United States in the 1st quarter of 2023, by age group (in 1,000 U.S. dollars)
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Premium Statistic
Share of adults planning to carry credit card balance in the U.S. 2020-2023
Share of adults planning to carry credit card balance in the U.S. 2020-2023
Share of adults planning to carry a credit card balance in the next six months in the United States in 2020 and 2023
Student loan debt
4
Student loan debt
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Basic Statistic
Total student loans provided in the U.S. 2001-2023
Total student loans provided in the U.S. 2001-2023
Total amount provided in student loans in the United States from 2002/01 to 2022/23 (in 2022 billion U.S. dollars)
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Basic Statistic
U.S. undergraduate student aid 2021-2022, by source and type
U.S. undergraduate student aid 2021-2022, by source and type
Amount of undergraduate student aid provided in the United States in 2021-2022 (in billion U.S. dollars)
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Premium Statistic
Average student loan debt in the U.S. 2022, by generation
Average student loan debt in the U.S. 2022, by generation
Average value of student loan debt held in the United States in 2022, by generation (in 1,000 U.S. dollars)
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Premium Statistic
Number of student loan borrowers by balance U.S. 2023
Number of student loan borrowers by balance U.S. 2023
Number of student loan borrowers in the United States in 2023, by loan balance (in millions)
Buy now, pay later (BNPL)
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Premium Statistic
Buy now, pay later (BNPL) market size in the U.S. 2019-2021, with forecasts to 2026
Buy now, pay later (BNPL) market size in the U.S. 2019-2021, with forecasts to 2026
Estimate of buy now, pay later (BNPL) lending in the United States from 2019 to 2021, with forecasts from 2022 to 2026 (in billion U.S. dollars)
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Premium Statistic
Buy now, pay later (BNPL) order value in the U.S. 2020, by age group
Buy now, pay later (BNPL) order value in the U.S. 2020, by age group
Average buy now, pay later (BNPL) purchase value in the United States in August 2021, by age group
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Premium Statistic
BNPL debt delinquency in the U.S. 2021-2023
BNPL debt delinquency in the U.S. 2021-2023
Share of buy now, pay later (BNPL) users who have missed payments in the United States from April 2022 to February 2023
Attitudes towards debt
3
Attitudes towards debt
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Premium Statistic
Time consumers expect to remain in non-mortgage debt in the U.S. 2021-2023
Time consumers expect to remain in non-mortgage debt in the U.S. 2021-2023
Number of years consumers expect to remain in non-mortgage debt in the United States from 2021 to 2023
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Premium Statistic
Share of adults who believe their student loan debt was not worth it U.S. 2022
Share of adults who believe their student loan debt was not worth it U.S. 2022
Based on your current financial situation, was taking out student loans worth attending college?
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Premium Statistic
Number of customer complaints about debt collection in the U.S. 2021
Number of customer complaints about debt collection in the U.S. 2021
Number of customer complaints regarding debt collection in the United States in 2021
Loan delinquency
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- Premium Statistic Quarterly delinquency on consumer loans at commercial banks in the U.S. 2007-2023
- Premium Statistic Homeowners with current or overdue mortgage payments in the U.S. in 2022, by race
- Premium Statistic Share of people with debt in collections in the U.S. 2022
- Premium Statistic Value of student loan debt outstanding, by repayment status U.S. 2023
- Premium Statistic Value of delinquent debt balance per capita in the U.S. 2021-2022 (in U.S. dollars)
Loan delinquency
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Premium Statistic
Quarterly delinquency on consumer loans at commercial banks in the U.S. 2007-2023
Quarterly delinquency on consumer loans at commercial banks in the U.S. 2007-2023
Delinquency rate on consumer loans of all commercial banks in the United States from 1st quarter 2007 to 2nd quarter 2023
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Premium Statistic
Homeowners with current or overdue mortgage payments in the U.S. in 2022, by race
Homeowners with current or overdue mortgage payments in the U.S. in 2022, by race
Number of homeowners who are caught up or behind on mortgage payment in the United States in June 2023, by race (in million)
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Premium Statistic
Share of people with debt in collections in the U.S. 2022
Share of people with debt in collections in the U.S. 2022
Share of people with a credit bureau record who have any debt in collections in the United States in 2022, by state and type of community
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Premium Statistic
Value of student loan debt outstanding, by repayment status U.S. 2023
Value of student loan debt outstanding, by repayment status U.S. 2023
Value of outstanding student loan debt in the United States in 2023, by repayment status (in billion U.S. dollars)
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Premium Statistic
Value of delinquent debt balance per capita in the U.S. 2021-2022 (in U.S. dollars)
Value of delinquent debt balance per capita in the U.S. 2021-2022 (in U.S. dollars)
Value of delinquent debt balance per capita in the United States from 2021 to 2022, by stage (in U.S. dollars)
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