{
  "meta": {
    "slug": "401-k-loan-outstanding-rate",
    "name": "401(k) Loan Outstanding Rate",
    "branded_name": null,
    "description": null,
    "source": "Vanguard How America Saves 2026",
    "source_credit": null,
    "source_url": "https://workplace.vanguard.com/insights-and-research/report/how-america-saves-2026.html",
    "frequency": "annual",
    "units": "percent",
    "fred_series_id": null,
    "fred_edge_series_id": null,
    "bls_series_id": null,
    "series_id": null,
    "measurement_basis": "Share of participants in Vanguard-recordkept defined contribution plans with a loan outstanding against their account at year end, from Vanguard's How America Saves. It covers the plans Vanguard administers, not all U.S. 401(k) participants.",
    "door": 3,
    "trend": "stable",
    "trend_suppressed": null,
    "series_breaks": [],
    "direction": "higher_is_worse",
    "last_updated": "2026-09-25T03:47:15Z",
    "stale": false,
    "stale_reason": null,
    "data_status": "current",
    "page_url": "https://americandefault.org/indicators/401-k-loan-outstanding-rate/",
    "attribution": "American Default (americandefault.org) — Our analysis is free to use with attribution to American Default Research. Source data stays under each publisher's terms; cite the source named here."
  },
  "current": {
    "value": 13,
    "date": "2025-12-31"
  },
  "last_verified": null,
  "data": [
    {
      "date": "2018-12-31",
      "value": 13
    },
    {
      "date": "2019-12-31",
      "value": 13
    },
    {
      "date": "2020-12-31",
      "value": 13
    },
    {
      "date": "2021-12-31",
      "value": 13
    },
    {
      "date": "2022-12-31",
      "value": 12
    },
    {
      "date": "2023-12-31",
      "value": 13
    },
    {
      "date": "2024-12-31",
      "value": 13
    },
    {
      "date": "2025-12-31",
      "value": 13
    }
  ]
}