---
title: "American Default Research — Markdown Index"
slug: index
summary: "Master index of all flat-text markdown files in this directory. Each file mirrors a canonical page on americandefault.org."
type: index
last_updated: "2026-11-12T21:53:23+00:00"
canonical_html: https://americandefault.org/
---

# American Default Research — Markdown Index

> Every entry below has a canonical HTML page at americandefault.org and a parallel markdown copy here. Markdown files are intended for AI agents that prefer flat text over rendered pages.

## Composite Indices

- [American Distress Index (ADI)](https://americandefault.org/for-llms/adi.md)
- [State Distress Index (SDI)](https://americandefault.org/for-llms/state-adi.md)
- [County Distress Index (CDI)](https://americandefault.org/for-llms/cdi.md)

## Indicators

### AI & Work

- [AI Share of Indeed Job Postings](https://americandefault.org/for-llms/ai-job-posting-share-of-total.md)
- [AI-Attributed Layoff Announcements](https://americandefault.org/for-llms/the-ai-cut.md)
- [Information Sector Job Openings (NAICS 51)](https://americandefault.org/for-llms/the-tech-drought.md)
- [METR 50% Task-Completion Horizon](https://americandefault.org/for-llms/the-horizon.md)
- [Youth Unemployment Rate (16-24)](https://americandefault.org/for-llms/youth-unemployment-rate-16-24.md)

### Courts

- [Bankruptcy Chapter 7 to Chapter 13 Filing Ratio](https://americandefault.org/for-llms/the-wipeout-ratio.md)
- [Bankruptcy Filings YoY Change](https://americandefault.org/for-llms/bankruptcy-filings.md)
- [CFPB Consumer Complaint Volume](https://americandefault.org/for-llms/cfpb-consumer-complaint-volume.md)
- [Chapter 13 Bankruptcy Filings (YoY % Change)](https://americandefault.org/for-llms/chapter-13-bankruptcy-filings-yoy-change.md)
- [Chapter 7 Bankruptcy Filings (YoY % Change)](https://americandefault.org/for-llms/chapter-7-bankruptcy-filings-yoy-change.md)
- [Charge-Off Rate on All Loans](https://americandefault.org/for-llms/charge-off-rate-on-all-loans.md)
- [Charge-Off Rate on Single-Family Residential Mortgages](https://americandefault.org/for-llms/charge-off-rate-on-single-family-residential-mortgages.md)
- [Residential Electricity Disconnections](https://americandefault.org/for-llms/utility-service-disconnections.md)

### Debt

- [Auto Loans 90+ Days Past Due](https://americandefault.org/for-llms/the-repo-line.md)
- [Charge-Off Rate on Credit Card Loans](https://americandefault.org/for-llms/charge-off-rate-on-credit-card-loans.md)
- [Commercial Bank Interest Rate on Credit Card Plans](https://americandefault.org/for-llms/the-card-tax.md)
- [Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest](https://americandefault.org/for-llms/large-vs-small-bank-credit-card-delinquency-spread.md)
- [Credit Card Delinquency at Banks Outside the Top 100](https://americandefault.org/for-llms/the-other-banks.md)
- [Delinquency Rate on Consumer Loans (ex credit card)](https://americandefault.org/for-llms/delinquency-rate-on-consumer-loans-ex-credit-card.md)
- [Delinquency Rate on Credit Card Loans](https://americandefault.org/for-llms/the-late-fee.md)
- [New Serious Delinquency Rate, Borrowers Age 18 to 29](https://americandefault.org/for-llms/new-serious-delinquency-rate-borrowers-age-18-to-29.md)
- [New Serious Delinquency Rate, Borrowers Age 30 to 39](https://americandefault.org/for-llms/new-serious-delinquency-rate-borrowers-age-30-to-39.md)
- [New Serious Delinquency Rate, Borrowers Age 40 to 49](https://americandefault.org/for-llms/new-serious-delinquency-rate-borrowers-age-40-to-49.md)
- [New Serious Delinquency Rate, Borrowers Age 50 to 59](https://americandefault.org/for-llms/new-serious-delinquency-rate-borrowers-age-50-to-59.md)
- [New Serious Delinquency Rate, Borrowers Age 60 to 69](https://americandefault.org/for-llms/new-serious-delinquency-rate-borrowers-age-60-to-69.md)
- [New Serious Delinquency Rate, Borrowers Age 70 and Over](https://americandefault.org/for-llms/new-serious-delinquency-rate-borrowers-age-70-and-over.md)
- [Share of Student Loan Balances 90+ Days Delinquent](https://americandefault.org/for-llms/student-loan-delinquency-rate-90-days.md)
- [Total Credit Card Debt Outstanding](https://americandefault.org/for-llms/plastic-ceiling.md)
- [Total Delinquency Rate (All Loan Types)](https://americandefault.org/for-llms/falling-behind.md)
- [Total Household Debt](https://americandefault.org/for-llms/total-household-debt.md)
- [TransUnion Credit Card Borrower Delinquency](https://americandefault.org/for-llms/the-risk-reset.md)

### Housing

- [Cotality Current-to-30-Day Mortgage Transition Rate](https://americandefault.org/for-llms/first-missed.md)
- [Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks](https://americandefault.org/for-llms/mortgage-delinquency-rate.md)
- [FHA Mortgage Delinquency Rate](https://americandefault.org/for-llms/the-fha-signal.md)
- [Fannie Mae and Freddie Mac Loans in Forbearance](https://americandefault.org/for-llms/fannie-mae-and-freddie-mac-loans-in-forbearance.md)
- [Foreclosure Filings YoY Change](https://americandefault.org/for-llms/foreclosure-filings.md)
- [Foreclosure Prevention Actions Completed, Fannie Mae and Freddie Mac Loans](https://americandefault.org/for-llms/foreclosure-prevention-actions-completed-fannie-mae-and-freddie-mac-loans.md)
- [Foreclosure Starts vs. Bank Repossessions](https://americandefault.org/for-llms/the-pipeline.md)
- [Foreclosure Starts, Fannie Mae and Freddie Mac Loans](https://americandefault.org/for-llms/foreclosure-starts-fannie-mae-and-freddie-mac-loans.md)
- [Loan Modifications Completed, Fannie Mae and Freddie Mac Loans](https://americandefault.org/for-llms/loan-modifications-completed-fannie-mae-and-freddie-mac-loans.md)
- [Median Sale Price of New Houses (US)](https://americandefault.org/for-llms/median-sales-price-of-houses-sold-us.md)
- [Median Size of New Single-Family Homes Completed](https://americandefault.org/for-llms/median-size-of-new-single-family-homes-completed.md)
- [Monthly FHA Loan Endorsements](https://americandefault.org/for-llms/monthly-fha-loan-endorsements.md)
- [Mortgage Origination Volume](https://americandefault.org/for-llms/mortgage-origination-volume.md)
- [Mortgages With Less Than 10 Percent Equity](https://americandefault.org/for-llms/mortgages-with-less-than-10-percent-equity.md)
- [Serious Delinquency Rate (90+ days, All Loan Types)](https://americandefault.org/for-llms/serious-delinquency-rate-90-days-all-loan-types.md)
- [Serious Delinquency Rate, Fannie Mae and Freddie Mac Loans](https://americandefault.org/for-llms/serious-delinquency-rate-fannie-mae-and-freddie-mac-loans.md)
- [Underwater Mortgages (Owing More Than the Home Is Worth)](https://americandefault.org/for-llms/underwater-mortgages-owing-more-than-the-home-is-worth.md)

### Jobs

- [Atlanta Fed Wage Growth Tracker (1st Quartile)](https://americandefault.org/for-llms/atlanta-fed-wage-growth-tracker-1st-quartile.md)
- [Bottom-Quartile Wage Growth vs. Inflation](https://americandefault.org/for-llms/the-k-shape.md)
- [Challenger Job Cut Announcements](https://americandefault.org/for-llms/pink-slips.md)
- [Continued Unemployment Claims (SA)](https://americandefault.org/for-llms/continued-unemployment-claims-sa.md)
- [Indeed Job Postings Index (US)](https://americandefault.org/for-llms/indeed-job-postings-index-us.md)
- [Initial Unemployment Claims (SA)](https://americandefault.org/for-llms/initial-unemployment-claims-sa.md)
- [JOLTS Quits Rate](https://americandefault.org/for-llms/jolts-quits-rate.md)
- [Part-Time for Economic Reasons](https://americandefault.org/for-llms/part-time-for-economic-reasons.md)
- [Total Nonfarm Payrolls](https://americandefault.org/for-llms/total-nonfarm-payrolls.md)
- [U-6 Underemployment Rate](https://americandefault.org/for-llms/u-6-underemployment-rate.md)
- [Unemployment Rate](https://americandefault.org/for-llms/unemployment-rate.md)

### Prices

- [Auto Insurance Inflation Premium (Auto CPI minus Overall CPI)](https://americandefault.org/for-llms/the-coverage-tax.md)
- [CPI Inflation Rate (All Items)](https://americandefault.org/for-llms/cpi-inflation-rate-all-items.md)
- [Day Care and Preschool CPI](https://americandefault.org/for-llms/day-care-and-preschool-cpi.md)
- [Energy Cost Burden (Energy PCE as % of Disposable Income)](https://americandefault.org/for-llms/the-energy-squeeze.md)
- [Energy Price Inflation (CPI)](https://americandefault.org/for-llms/energy-cpi-all-items.md)
- [Federal Customs Duties as % of Disposable Personal Income](https://americandefault.org/for-llms/the-import-tax.md)
- [Food Price Inflation (CPI)](https://americandefault.org/for-llms/food-price-inflation.md)
- [Gas Price to Pay Ratio](https://americandefault.org/for-llms/the-pump-tax.md)
- [Grocery Affordability Gap](https://americandefault.org/for-llms/the-grocery-gap.md)
- [Grocery Prices Cumulative Change Since Jan 2020](https://americandefault.org/for-llms/grocery-prices-cumulative-change-since-jan-2020.md)
- [Healthcare Inflation Premium (Medical CPI minus Overall CPI)](https://americandefault.org/for-llms/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.md)
- [Medical Care CPI](https://americandefault.org/for-llms/medical-care-cpi.md)
- [Motor Vehicle Insurance CPI](https://americandefault.org/for-llms/motor-vehicle-insurance-cpi.md)
- [Prescription Drug CPI](https://americandefault.org/for-llms/prescription-drug-cpi.md)
- [Shelter CPI](https://americandefault.org/for-llms/shelter-cpi.md)
- [Tenants' and Household Insurance CPI](https://americandefault.org/for-llms/tenants-and-household-insurance-cpi.md)

### Savings

- [401(k) Loan Outstanding Rate](https://americandefault.org/for-llms/401-k-loan-outstanding-rate.md)
- [HELOC Balances Outstanding](https://americandefault.org/for-llms/heloc-balance-growth.md)
- [Household Debt Service Ratio](https://americandefault.org/for-llms/debt-service.md)
- [Median Net Worth of Homeowner Families](https://americandefault.org/for-llms/median-net-worth-of-homeowner-families.md)
- [Median Net Worth of Renter Families](https://americandefault.org/for-llms/median-net-worth-of-renter-families.md)
- [Mortgage Debt Service Ratio](https://americandefault.org/for-llms/mortgage-debt-service-ratio.md)
- [Personal Saving Rate](https://americandefault.org/for-llms/the-buffer.md)
- [Revolving Credit Utilization (75th Percentile)](https://americandefault.org/for-llms/revolving-credit-utilization-75th-percentile.md)
- [SHED Emergency Savings Survey](https://americandefault.org/for-llms/the-400-test.md)
- [Share of Adults Who Would Use Savings for a $1,000 Emergency](https://americandefault.org/for-llms/the-safety-net.md)
- [Share of Bank of America Checking Households Living Paycheck to Paycheck](https://americandefault.org/for-llms/the-squeeze.md)
- [Total Consumer Credit Outstanding](https://americandefault.org/for-llms/total-consumer-credit-outstanding.md)
- [Total Revolving Credit Outstanding](https://americandefault.org/for-llms/total-revolving-credit-outstanding.md)
- [Vanguard Hardship Withdrawal Rate](https://americandefault.org/for-llms/the-cannibalization-rate.md)

### The Deal

- [Bottom-Half Share of Household Wealth](https://americandefault.org/for-llms/the-bottom-half.md)
- [Family Income Inequality (Gini)](https://americandefault.org/for-llms/the-divide.md)
- [Involuntary Part-Time Share of Employment](https://americandefault.org/for-llms/the-short-shift.md)
- [Labor Share of Nonfarm Business Output](https://americandefault.org/for-llms/the-split.md)
- [Long-Term Unemployed Share (27+ Weeks)](https://americandefault.org/for-llms/the-long-haul.md)
- [Multiple Jobholders Share of Employment](https://americandefault.org/for-llms/the-second-job.md)
- [Prime-Age Employment Rate (25-54)](https://americandefault.org/for-llms/the-prime-years.md)
- [Productivity-Pay Wedge](https://americandefault.org/for-llms/the-wedge.md)
- [Real Federal Minimum Wage](https://americandefault.org/for-llms/the-floor.md)
- [Real Median Weekly Earnings](https://americandefault.org/for-llms/the-median-check.md)
- [Real Production & Nonsupervisory Wage](https://americandefault.org/for-llms/shop-floor-pay.md)
- [Union Membership Rate](https://americandefault.org/for-llms/the-union-card.md)

### Warning Signs

- [Conference Board Consumer Expectations Index](https://americandefault.org/for-llms/the-warning-light.md)
- [NFCI Non-Financial Leverage Subindex](https://americandefault.org/for-llms/the-tightening.md)
- [SNAP (Food Stamp) Enrollment](https://americandefault.org/for-llms/snap-food-stamp-enrollment.md)
- [Senior Loan Officer Survey: Banks Tightening Standards](https://americandefault.org/for-llms/senior-loan-officer-survey-banks-tightening-standards.md)
- [Top vs Bottom Income Quartile Spending Gap](https://americandefault.org/for-llms/the-divergence.md)
- [University of Michigan Consumer Sentiment Index](https://americandefault.org/for-llms/the-mood-ring.md)
- [Wage Growth vs CPI Spread](https://americandefault.org/for-llms/wage-growth-vs-cpi-spread.md)

### Who's Hurting

- [Adults Who Paid Less or Skipped Bills](https://americandefault.org/for-llms/the-skip-rate.md)
- [Didn't Have Enough to Eat](https://americandefault.org/for-llms/didnt-have-enough-to-eat.md)
- [Difficulty Paying Usual Household Expenses](https://americandefault.org/for-llms/the-pinch.md)
- [Financially Healthy Households (Financial Health Network)](https://americandefault.org/for-llms/financial-health-score-fhn-finhealth-survey.md)
- [Medicaid / CHIP Enrollment](https://americandefault.org/for-llms/medicaid-chip-enrollment-monthly.md)
- [Point-in-Time Count of People Experiencing Homelessness](https://americandefault.org/for-llms/annual-homelessness-assessment-pit-count.md)
- [States with Credit Card Delinquency Above 10%](https://americandefault.org/for-llms/the-spread.md)
- [Unbanked Household Rate (FDIC)](https://americandefault.org/for-llms/unbanked-underbanked-household-rate.md)

### Archived (final readings)

- [Business AI Adoption Rate](https://americandefault.org/for-llms/the-adoption-curve.md)
- [Buy Now Pay Later Lending Volume](https://americandefault.org/for-llms/phantom-debt.md)
- [Household Food Insecurity Rate](https://americandefault.org/for-llms/household-food-insecurity-rate.md)
- [Student Loan Borrowers Behind on Payments or in Collections](https://americandefault.org/for-llms/student-loan-payment-burden-of-discretionary-income.md)

## Guides

- [How High Are Car Repossession Rates in 2026?](https://americandefault.org/for-llms/car-repossession-rates.md)

## Methodology

- [Research methodology overview](https://americandefault.org/for-llms/methodology.md)

## Citation

Use **American Default Research** as the institutional name. Author: Ross Kilburn. Year: 2026. URL pattern: https://americandefault.org/indicators/{slug}/.