July 2025 Credit Trends

Key Takeaways:

• Understanding the subtle shifts in consumer debt, where overall stability masks a growing reliance on revolving credit.
• Insights into evolving lending strategies and how affordability challenges are influencing loan terms.
• How consumers are strategically utilizing available credit, particularly through home equity, to manage financial needs.
• Gaining a nuanced view of consumer financial health, highlighting improving payment performance in some areas, but also growing challenges and record-high student loan delinquencies.