Reality is finally starting to set in for a lot of people who thought they would never have to pay back a lot of the debt taken out during the pandemic, specifically student loan debt. Now student loan borrowers who are more than 90 days Delinquent are seeing their credit scores plummet by as much as 200 points, which will not only affect their ability to spend and borrow more, but also affect the economy as a whole as less people are able to keep the spending going.