🚨 BREAKING: Student Loan Delinquencies Just Spiked to Multi-Year Highs
The pressure is building.
📊 Q4 2025 Data:
• 16.4% of student loans are now 30+ days delinquent — highest level since 2013
• 16.2% are 90+ days delinquent — more than doubled since Q1 2025
• 9.6% are seriously delinquent — second-highest since Q1 2020
This isn’t noise.
It’s credit stress.
⚠️ What Changed?
After pandemic-era forbearance and relief programs ended, repayment pressure returned.
Now we’re seeing:
• Missed payments rising
• Credit scores under pressure
• Household liquidity tightening
The consumer is starting to feel squeezed.
🏦 Why This Matters for Markets
Student loans = consumer spending power.
If delinquencies rise:
📉 Discretionary spending slows
📉 Retail & services feel pressure
📉 GDP growth expectations adjust
📉 Risk appetite weakens
Credit stress often shows up before broader slowdown data confirms it.
💹 Crypto & Risk Asset Implications
If consumer liquidity tightens:
• High-beta assets could see volatility
• Liquidity-sensitive tokens may react first
• Macro narratives regain dominance
• Safe-haven flows into $BTC could re-emerge
Watch how markets price growth expectations over the next quarter.
🧠 Bigger Picture
This isn’t just about student loans.
It’s about the health of the U.S. consumer — the backbone of economic growth.
Credit cracks tend to spread slowly… then suddenly.
Are we early in a stress cycle?
Or is this contained?
Drop your macro view below 👇
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