U.S. credit card and student loan delinquencies have surged to their highest levels in years, signaling rising financial stress among American households. Analyst Charlie Bilello reported that 13.1% of credit card balances are now over 90 days delinquent, the highest since 2011. Similarly, student loan delinquencies have climbed to 10.3%, the highest since 2020, with approximately $171 billion in student loan debt now overdue by 90 days or more. The increase in delinquencies follows the end of pandemic-era protections, which had temporarily reduced reported defaults. Auto loan delinquencies have also reached a record high of 5.6%, reflecting ongoing financial pressures from high car prices and borrowing costs. These developments highlight a growing strain on consumer credit, with unsecured debts like credit cards and student loans showing significant vulnerability.