{
  "meta": {
    "slug": "debt-service",
    "name": "Household Debt Service Ratio",
    "branded_name": "Debt Service",
    "description": null,
    "source": "Board of Governors of the Federal Reserve System data retrieved via FRED",
    "source_credit": null,
    "source_url": "https://fred.stlouisfed.org/series/BOGZ1FL010000346Q",
    "frequency": "quarterly",
    "units": "percent",
    "fred_series_id": "BOGZ1FL010000346Q",
    "fred_edge_series_id": "TDSP",
    "bls_series_id": null,
    "series_id": null,
    "measurement_basis": null,
    "door": 3,
    "trend": "stable",
    "trend_suppressed": null,
    "series_breaks": [
      {
        "date": "2005-01-01",
        "reason": "Readings from 2005 on use the Federal Reserve Board's current method, which estimates debt payments from scheduled required payments in credit bureau data and includes mortgage escrow for property taxes and insurance. The Board states that quarterly values on the current method are available from 2005 forward. Earlier readings exist only on the previous method, which built payments from estimated balances, interest rates and loan terms. Where both methods cover the same quarters, the gap between them is not constant: about 0.6 to 2.9 percentage points.",
        "source_url": "https://www.federalreserve.gov/releases/dsr/about.htm"
      }
    ],
    "direction": "higher_is_worse",
    "last_updated": "2026-09-22T00:00:00Z",
    "stale": false,
    "stale_reason": null,
    "data_status": "current",
    "page_url": "https://americandefault.org/indicators/debt-service/",
    "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": 11.111439,
    "date": "2026-04-01"
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  "last_verified": null,
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}