NEW YORK—The Federal Reserve Bank of New York is scheduled to release its Q4 2025 Household Debt and Credit Report on at 11:00 AM ET. The report will provide an updated assessment of trends in borrowing and indebtedness across American households, encompassing mortgages, student loans, credit cards and auto loans, with data current through the end of .
The release comes at a time of heightened scrutiny regarding household finances. Recent data indicates a significant increase in overall household debt. According to reports, Americans’ household debt reached a new record high, though the specific figure was not detailed in the provided sources. This increase is occurring as the economy navigates a complex landscape of inflation and fluctuating interest rates.
The New York Fed’s Household Debt and Credit Report is a closely watched indicator for economists and policymakers alike. It offers a granular view of consumer credit, providing insights into the financial health of the nation’s households. The report’s data is crucial for understanding consumer spending patterns and assessing the potential for future economic growth or contraction.
Alongside the main report, the New York Fed will publish a blog post on its Liberty Street Economics platform. This post will specifically examine the relationship between recent mortgage delinquency rates and variations in economic conditions across different geographic areas. This analysis is particularly relevant given concerns about regional economic disparities and the potential for localized financial stress.
Recent trends highlight increasing challenges for borrowers. Data shows that student loan delinquencies are on the rise, contributing to a decline in credit scores. This resurgence in student loan distress suggests that the end of pandemic-era forbearance programs has had a noticeable impact on borrowers’ ability to manage their debt obligations. The interplay between student loan debt, credit scores, and overall household finances is a key area of concern for financial stability.
credit card debt is also a significant factor contributing to the overall increase in household indebtedness. Statistics for 2026 indicate a substantial level of credit card debt, though the specific figures were not provided in the search results. This suggests that consumers are increasingly relying on credit to finance their spending, potentially indicating financial strain or a lack of alternative funding sources.
In the third quarter of 2025, US household debt experienced a modest increase, according to the New York Fed. While the increase was described as “modest,” it adds to the overall trend of rising indebtedness. The composition of this debt – the balance between mortgages, student loans, credit cards, and auto loans – provides valuable insights into the drivers of household financial vulnerability.
As of Q3 2025, total household debt stood at . This figure underscores the sheer scale of borrowing across the US economy and the potential systemic risks associated with high levels of household debt. The continued rise in debt levels raises questions about the sustainability of consumer spending and the potential for future economic shocks.
To provide further context on the report and its findings, the authors will host a background press call on at 9:30 AM ET. Journalists interested in participating are encouraged to RSVP to Connor Munsch at Connor.Munsch@ny.frb.org. This press call will offer an opportunity for journalists to delve deeper into the data and gain insights from the researchers who compiled the report.
The upcoming release of the Q4 2025 Household Debt and Credit Report is therefore a critical event for anyone seeking to understand the current state of the US consumer and the broader economic outlook. The data will be closely analyzed by investors, policymakers, and financial institutions to assess the risks and opportunities facing the economy in the coming months.
