DeFi Lending - DeFi lender deploys $1 million for student loans to the Philippines and Indonesia [1] Potential Risks - The report questions the cost associated with these loans [1]

Student Loan Market - Student loans experienced rapid growth as a form of household borrowing in America in the 20 years preceding the COVID-19 pandemic [1] - The situation is more unfavorable for the U S government regarding student loans [1]

Student Loan Policy - The spending bill's impact on student loans is heading to the President for signature [1]

Student Loan Policy Changes - The spending bill's impact on student loans is heading to the President for signature [1] Impact on Borrowers - The report focuses on how the spending bill will affect individuals with student loans [1]

Student Loan Policy - The spending bill's impact on student loans is heading to the President for signature [1]

Policy & Regulation Impact - Tax legislation is poised to favor companies providing private student loans [1] - The bill restricts the amount students and parents can borrow from the government for college [1] Industry Opportunity - Private student loan companies are set to benefit from the new legislation [1]

Here’s a breakdown of the final version of the bill that has now officially passed the Senate, and what it means for borrowers, students, and college-bound families. (Photo: J. David Ake via Getty Images) https://t.co/DFjpLsEBNa https://t.co/XE1LoUYSEW ...

Here’s a breakdown of the final version of the bill that has now officially passed the Senate, and what it means for borrowers, students, and college-bound families. (Photo: J. David Ake via Getty Images) https://t.co/0uriYGcYos https://t.co/a3ebWOx5cV ...

Here’s a breakdown of the final version of the bill that has now officially passed the Senate, and what it means for borrowers, students, and college-bound families. (Photo: J. David Ake via Getty Images) https://t.co/VctEjTqWX8 https://t.co/LdU9KtLSuN ...

Consumer Debt Overview - US household debt reached a record high of $18.2 trillion in Q1 2025 [1] - Consumer debt includes credit cards, auto loans, mortgages, student loans, and buy now pay later plans [1] - High consumer debt can lead to defaults, impacting the entire economy [1] Credit Card Debt - Americans owed over $1.08 trillion on credit cards as of Q1 2025, a 50% increase since 2021 [1] - The typical cardholder with a balance owes over $7,300 [1] - Over 3% of credit card balances were at least 30 days delinquent as of Q1 2025 [1] - Retail credit cards can have interest rates as high as 36% [1] Buy Now Pay Later (BNPL) - BNPL services allow consumers to pay for purchases in installments [2] - BNPL debt pile could reach $700 billion by 2028 [2] - Over 40% of BNPL users have missed at least one payment [2] - Late fees for BNPL can be up to 50% of the payment amount [2] Mortgage Debt - Americans owe $12.8 trillion on 85 million mortgages [2] - The average borrower owes just under $150,000, and the typical home price is around $510,000 [2] - Mortgage rates have climbed to around 7%, the highest in over 20 years [2] - 0.7% of mortgages are seriously delinquent (90+ days past due) [3] Student Loan Debt - Americans owe nearly $1.08 trillion in student loans [3] - The average federal borrower owes more than $38,000 [3] - Over 20% of borrowers are 90 days or more past due [3] - The Biden administration cancelled more than $180 billion in loans for select groups [3] Economic Impact - Americans spend over $560 billion a year on interest payments [3] - Americans collectively work 18 billion hours a year to service interest on debts [4] - Consumer spending makes up nearly 70% of US GDP [4]