Student Loan Delinquency Rate (90+ days)
Student loans 90+ days past due
What is the current Student Loan Delinquency Rate (90+ days)?
The student loan 90+ day serious delinquency rate stood at 9.57% in Q4 2024, according to the NY Fed Consumer Credit Panel. This captures borrowers at least 3 months behind on payments — a threshold that typically triggers collections activity and credit score damage. Source: NY Fed Consumer Credit Panel / Equifax.
Student Loan Delinquency Rate (90+ days) at 9.6%
Tracking improving relative to recent baseline.
Explore Further
How has Student Loan Delinquency Rate (90+ days) changed over time?
| Period | Value | YoY Change |
|---|---|---|
| Q4 2025 | 9.57% | +9.0 pts |
| Q3 2025 | 9.36% | +8.9 pts |
| Q2 2025 | 10.16% | +9.5 pts |
| Q1 2025 | 7.74% | +7.1 pts |
| Q4 2024 | 0.53% | −0.1 pts |
| Q3 2024 | 0.49% | −0.2 pts |
| Q2 2024 | 0.65% | +0.0 pts |
| Q1 2024 | 0.62% | −0.1 pts |
| Q4 2023 | 0.6% | −0.3 pts |
| Q3 2023 | 0.67% | −3.3 pts |
| Q2 2023 | 0.63% | −3.9 pts |
| Q1 2023 | 0.67% | −4.0 pts |
Frequently Asked Questions
What is the student loan serious delinquency rate?
The student loan serious delinquency rate measures the share of student loan balances that are 90 or more days past due. As of Q4 2024, 9.57% of student loan balances were seriously delinquent, according to the NY Fed Consumer Credit Panel.
Why does student loan delinquency matter for financial distress?
Student loan delinquency signals that borrowers are struggling to meet basic debt obligations. When combined with rising delinquency in credit cards and auto loans, it indicates broad-based household financial stress tracked by the American Distress Index.
Where does the student loan delinquency data come from?
This data comes from the NY Fed Consumer Credit Panel, based on Equifax credit bureau records. It is published quarterly as part of the Quarterly Report on Household Debt and Credit.
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