Revolving Consumer Credit
billions of dollars, year-end · FRED REVOLSL
$1,351B2026 thru May
+98% since 2000 $683B then
Dot-com bust & 9/11 (2001) ’01 Global financial crisis (2008) ’08 COVID-19 pandemic (2020) ’20
Student Loan Debt
billions of dollars, year-end · 2006–2024 · FRED SLOAS
$1,777B2024
+241% since 2006 $521B then
Global financial crisis (2008) ’08 COVID-19 pandemic (2020) ’20
Personal Saving Rate
percent of disposable income · FRED PSAVERT
3.4%2026 thru May
−0.9 pts since 2000 4.3% then
Dot-com bust & 9/11 (2001) ’01 Global financial crisis (2008) ’08 COVID-19 pandemic (2020) ’20
Household Debt Service Ratio
percent of disposable income · 2005–2026 · FRED TDSP
11.2%2026 thru Dec
−3.7 pts since 2005 14.9% then
Global financial crisis (2008) ’08 COVID-19 pandemic (2020) ’20
122.6%2026 thru Dec
+67 pts since 2000 55.6% then
Dot-com bust & 9/11 (2001) ’01 Global financial crisis (2008) ’08 COVID-19 pandemic (2020) ’20
3.64%2026 thru Jun
−2.6 pts since 2000 6.24% then
Dot-com bust & 9/11 (2001) ’01 Global financial crisis (2008) ’08 COVID-19 pandemic (2020) ’20
6.34%2026 thru Jul
−1.7 pts since 2000 8.05% then
Dot-com bust & 9/11 (2001) ’01 Global financial crisis (2008) ’08 COVID-19 pandemic (2020) ’20
Stock Market (NASDAQ)
index, annual average of daily closes · FRED NASDAQCOM
24,4592026 thru Jul
+546% since 2000 3,784 then
Dot-com bust & 9/11 (2001) ’01 Global financial crisis (2008) ’08 COVID-19 pandemic (2020) ’20