Q4 2025 U.S. credit card and auto loan delinquencies reach 2008 levels while student loan 90+ day delinquencies surge to a record 14%. Credit card debt hits record $1.28 trillion.
Q4 2025 student loans transitioning to 90+ days delinquent surged to +14%, a level never seen before in history. pic.twitter.com/OIBZin9gx1 — Financelot (@FinanceLancelot) February 10, 2026 CREDIT CARD STRESS IS SURGING: 12.7% OF CREDIT CARD LOANS ARE NOW 90+ DAYS …