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February 20, 2026
Household debt in the U.S. stood at $18.78 trillion in the fourth quarter.
Credit utilization has returned to pre-pandemic levels.
People under 30 and over 70 hold a relatively small amount of debt compared to other age groups.
The average third party collection stood at $1678 in the fourth quarter.
Household debt broken down by delinquency status
Credit card and mortgage debt are both at least 35% higher than pre-pandemic.
Mortgage originations remain well off the peak set in 2021.
A review of our recent research
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