Independent thinking for complex markets and current events
2x the amount of student loans are delinquent as they were in 2020 – right before the repayment pause went into place. How does this end in anything but economic disaster? pic.twitter.com/rJiyZcQI74 — Spencer Hakimian (@SpencerHakimian) August 5, 2025
South Korea has made it clear: most of the $350 billion it pledged in U.S. investment will be loans and guarantees, not equity. Direct investment makes up less than 5 % of the total fund. https://www.bloomberg.com/news/articles/2025-08-04/korea-expects-less-than-5-of-350-billion-us-fund-as-investment Japan’s negotiator Akazawa added fuel to the skepticism, saying trade agreements with both the U.S. and EU are still not formalized, …
JPMorgan Chase is getting ready to lend against crypto. That is confirmed. The bank is now developing loan products backed by client-held Bitcoin and Ethereum. The Financial Times reported the move on July 22. A rollout could start next year. The irony is hard to ignore. Jamie Dimon once called Bitcoin “a fraud.” Now his …
The Federal Housing Finance Agency just cleared a major shift in mortgage qualification rules. Rent payments can now be counted toward mortgage applications, a change aimed at broadening access for renters hoping to buy homes. This move coincides with the return of 40-year adjustable-rate mortgages, offering longer terms but variable interest costs down the line. …
The credit system is about to get rewired. Not with a press release. Not with a Fed rate tweak. This one’s buried in the fine print of S.1465, the Credit Access and Inclusion Act of 2025. It’s sitting in committee right now, but the effects are already bleeding into the ecosystem. FICO confirmed it. Two …
DNC is “desperate for cash” and is reportedly even having to borrow money to pay the bills. This wouldn’t be happening if Democrats actually came up with good ideas for America. Unfortunately, Dems would rather riot, cheat in elections, and pander to illegals. pic.twitter.com/nK8NJoD270 — Paul A. Szypula 🇺🇸 (@Bubblebathgirl) June 18, 2025
The House has passed legislation that would ward off noncitizens from receiving Small Business Administration loans, bringing agency-driven SBA policy shifts from earlier this year a step closer to codification into law. The bill passed Friday 217-190, with eight Democrats joining all Republicans in voting for it. If passed by the Senate and signed by …
In the quiet hum of everyday life, a storm brews unnoticed. The United States stands at the precipice of a financial upheaval, with trillions in corporate and consumer loans maturing by 2026. These debts, once manageable under low-interest rates, now face refinancing at significantly higher costs. We are less than 6 months away from the …
Social Security recipients do not need to worry about their benefits being garnished due to their defaulted student loans, at least for now. The development is an abrupt change in policy by the administration, which had announced in April that it would be resuming collection activity on defaulted student loan borrowers. The Education Dept. had …
The latest data from the Federal Reserve Bank of New York reveals a troubling trend, borrowers are falling behind on payments at an accelerating rate. This is not just a temporary setback. It is a clear sign that financial stress is mounting for millions of Americans. Mortgage delinquencies climbed from 0.70 percent in Q4 2024 …
Student Loans Skyrocket From 0.5% Delinquent to 7.7% byu/Cool-Entrepreneur-68 inEconomyCharts Although, everything except mortgages and home equity line of credit is rising up, student loans took a drastic rise from 2024 Q4-2025 Q1. Source: New York FED
The Biden Administration pushed out $93 BILLION in green energy loans in the 3 months before President Trump took office. Which means the Biden Administration stole then funneled $93 BILLION of our money to their friends. People need to go to prison. pic.twitter.com/m53xIFWomw — C3 (@C_3C_3) May 10, 2025
via YSK: It could save you thousands and protect your future. On May 5, the U.S. Department of Education will commence collecting on student loans after a five-year hiatus. This is going to throw thousands of American lives into chaos, and you should know what your rights are when dealing with collection agencies. U.S. Department …
Student loan collections are resuming on May 5th, with wage garnishment and tax refund seizures starting soon after. US Press Secretary Karoline Leavitt said: “The government can and will collect defaulted federal student loan debt by withholding tax refunds, federal pensions, and even their wages.” pic.twitter.com/1gknlNcyvG — unusual_whales (@unusual_whales) April 27, 2025
40% of the people that took out loans are not paying. The loans are over $1.5 Trillion. Major problem. — floridanow1 (@floridanow1) April 22, 2025 governments and taxes should DEFINITELY help students repay their loans! — Chris ⛈️ (@ChrisTradeCryp) April 23, 2025
TYLER, Texas (KLTV) -The U.S Department of Housing and Urban Development (HUD) is revising their residency requirements for Federal Housing Administration (FHA) loans. “I do know that there are several people in our community that are going to be affected,” says Maritza Bedolla, mortgage loan officer with Primary Residential Mortgage in Tyler. Starting May 25, …
Talk about a shift in sentiment: The 10-year note yield now pushing above 4.20% while the S&P 500 falls -4.5% in 3 hours. Yields are ABOVE levels seen before "Liberation Day." Once again, bond markets are telling us something. pic.twitter.com/zOQcikVObA — Adam Kobeissi (@TKL_Adam) April 8, 2025 FHA delinquencies are skyrocketing, 15.11% of all FHA …
How on earth did the SBA end up doling out $330 million in loans to children under 11? It’s hard to believe, but that’s exactly what happened. This isn’t just some game of Monopoly—real money was handed out like candy. The question we all should be asking is: How did this slip through the cracks? …
For the record, Chinese economy has many problems but high rate of default for consumer / personal loans is NOT one of them. Just look at how low the NPL ratio is for Bank of China's personal loans (lower than literally every other category save for "financial services") pic.twitter.com/c4YHS6Ypbk — Jack Farley (@JackFarley96) March 19, …
HUD is reviving the worst elements of the 2008 housing crash, disguising it as “equitable housing.” 100% LTV loans with 580 credit scores ensure a wave of defaults the moment prices dip. The government isn’t helping buyers—it’s keeping the bubble alive at taxpayer expense. HOLY FUCK, HUD will find first time homebuyer down payment assistance …
The US government is currently stopping over 1,000,000 defaulted mortgages from going to foreclosure under the FHA mortgage program. The result is another Subprime Housing Bubble, one that could cause huge declines in home prices around the US if it’s allowed to burst.
The US government is currently stopping over 1,000,000 defaulted mortgages from going to foreclosure under the FHA mortgage program. The result is another Subprime Housing Bubble, one that could cause huge declines in home prices around the US if it’s allowed to burst.
The car market has taken a real nosedive recently with 25% of people that have a loan, being underwater on their loan, meaning they now owe more than the car is worth. And the average is almost $7,000 more owed than its worth! On top of that, we have folks that earn $150,000 a year …
by Kali-Lionbrine Not trying to time a crash if any (due to government spending lmao). But considering every purchase has multiple financing options that can sometimes be stacked together ex: buy now pay later, credit card stuff like this, etc. How long can this go on before people start defaulting? Statistics and anecdotes point towards …
“Why do home buyers keep taking out 30-year fixed loans if they’re no longer a good deal? And arguably even a bad deal at this point. The 30-year fixed is now close to its 50-year average of ~7.75%. If folks don’t expect to keep these loans for more than a few years, why are we …
Credit is way too easy to get. Rolling over car loans should be severely restricted. Banks playing with fire — CAB (@BuxJackets) January 4, 2025
Credit card companies wrote off $46B in seriously delinquent loan balances in just the first 9 months of 2024. 50% increase YoYHighest in 14 years pic.twitter.com/IH3yW47xHq — Darth Powell (@VladTheInflator) January 3, 2025 Linkhttps://t.co/wD6lnwO923 — QE Infinity (@StealthQE4) January 3, 2025 Auto loan delinquency rates are at their highest in more than a decade, per …
To start, here's a chart of US credit card serious delinquency rates for subprime borrowers. Subprime credit card delinquencies have risen 7 percentage points in just ~15 months. These borrowers reflect a WHOPPING ~23% of the consumer credit market, according to Fed data. pic.twitter.com/mNUaNwc0GB — The Kobeissi Letter (@KobeissiLetter) January 2, 2025 Meanwhile, US multi-family …
Economic data keeps surprising to the downside!! Citi Surprise Index 👇 pic.twitter.com/DPdKUV0ji2 — James E. Thorne (@DrJStrategy) December 29, 2024 They are currently 10 million Americans who are delinquent on their student loans. On January 1, they are going to start seeing their credit scores deteriorate. Not a good outcome for consumer credit growth! pic.twitter.com/IjOZy4tos1 …
During the 2008 housing crisis banks were throwing loans around like confetti…now instead of home loans it’s auto loans. — midGRAY (@_midGRAY) November 20, 2024 Its starting to affect consumer spending: Target $TGT with a huge earnings miss. Stock is now down 17% in premarket trading The consumer is tapped out 💀 pic.twitter.com/BJNphAbPeA — QE …