Total Consumer Credit Outstanding
Total consumer credit debt outstanding
What is the current Total Consumer Credit Outstanding?
Total U.S. consumer credit outstanding — all non-mortgage consumer debt including credit cards, auto loans, student loans, and personal loans — is tracked monthly by the Federal Reserve. This aggregate figure captures the total stock of consumer borrowing, providing context for delinquency rates and debt service burden. Source: Federal Reserve G.19 Statistical Release.
Americans owe $5.1 trillion in consumer credit — up 22% since 2019
Federal Reserve data. Consumer credit has grown by nearly $1 trillion since the pandemic, driven almost entirely by credit card and auto loan balances.
Explore Further
How has Total Consumer Credit Outstanding changed over time?
Most affected counties
Counties with the highest overall financial distress scores in the County Distress Index.
Explore all 3,144 counties →| Period | Value | YoY Change |
|---|---|---|
| Feb 2026 | $5.1T | +$158.3B |
| Jan 2026 | $5.1T | +$150.8B |
| Dec 2025 | $5.1T | +$151.6B |
| Nov 2025 | $5.1T | +$17.5B |
| Oct 2025 | $5.1T | +$8.7B |
| Sep 2025 | $5.1T | +$14.3B |
| Aug 2025 | $5.1T | +$3.4B |
| Jul 2025 | $5.1T | +$10.5B |
| Jun 2025 | $5T | +$17.8B |
| May 2025 | $5T | +$23.6B |
| Apr 2025 | $5T | +$22.5B |
| Mar 2025 | $5T | +$7.7B |
Frequently Asked Questions
What is total consumer credit outstanding?
It is the total dollar value of all non-mortgage consumer debt in the United States, including credit card balances, auto loans, student loans, and personal installment loans. This is separate from mortgage debt, which is tracked under household debt.
Why does total consumer credit matter?
Rising consumer credit can indicate either healthy economic expansion (consumers confident enough to borrow) or distress (consumers forced to borrow to cover essential expenses). Context from delinquency rates and the savings rate helps distinguish between the two.
Where does the data come from?
The Federal Reserve publishes total consumer credit monthly in its G.19 Statistical Release. The data is broken down into revolving credit (primarily credit cards) and non-revolving credit (auto loans, student loans, personal loans).
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