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US families’ overdue loan payments reach 19.6%, highest since 2010

  • US families reported a higher rate of overdue loan payments in 2025.
  • 19.6% of families reported overdue payments, up from 12.2% in 2022.
  • The 2025 level was the highest recorded since 2010, according to Fed data.

The percentage of US families reporting overdue loan payments rose to 19.6% in 2025, the highest level since 2010, according to Federal Reserve data. The figure increased sharply from 12.2% in 2022 and reversed a gradual improvement in household debt repayment.

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