A Broken Economy Dressed Up in Statistics Let’s walk through the numbers. According to the New York Fed’s latest report, total household debt rose by $197 billion in the third quarter of 2025. That brings the national debt burden to a record $18.59 trillion. Mortgages made up the largest portion of that increase—$137 billion. Credit card debt jumped by $24 billion. Student loans increased by $15 billion. Auto loans remained steady, though delinquency rates are starting to tick up. Most notable? Student loan delinquency surged to 9.4%. That’s nearly 1 in 10 borrowers falling behind—many just months after the federal government resumed reporting missed payments to credit bureaus. These are largely younger Americans, many of them low-income, trying to get…
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