Credit Scores Tick Down as Borrowers Struggle With Student Loan and Mortgage Payments

Key Takeaways The average U.S. credit score fell to 714 in October 2025, down one point from April 2025. Student loan delinquencies rose sharply after the pandemic-era payment pause ended. Mortgage delinquencies increased in October 2025, as fewer borrowers benefited from rising home prices and the low interest rates that existed during the COVID-19 pandemic. The average credit score fell in 2025, as more borrowers became delinquent on their student loan and mortgage payments. According to a ne ...