Serious student loan delinquencies surged at the end of 2025 while overall balances climbed to roughly $1.7 trillion, signaling mounting distress among borrowers, the New York Federal Reserve reports. Millions of Americans hold student loan debt , and the rise in delinquencies shows that many borrowers are struggling to afford repayments now that the coronavirus pandemic-era relief has ended. When borrowers fall into default, the consequences go far beyond missed payments. Wage garnishment and

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