Results of new TransUnion survey show millions navigating tough choices as delinquencies remain highCHICAGO, Sept. 25, 2025 (GLOBE NEWSWIRE) -- Millions of delinquent federal student loan borrowers are bracing for the possible resumption of involuntary collections by the U.S. Department of Education, such as wage garnishment or the withholding of tax refunds or Social Security benefits. A new survey from TransUnion (NYSE: TRU) highlights a growing concern related to this issue. When asked about the prospect ...

The credit scoring company reported that the average national FICO score has slipped slightly, raising concerns about household resilience amid shifting economic conditions.The overall score has declined by around two points. While modest, the drop reflects broader shifts in consumer creditworthiness. In 2021, nearly 38.1% of the population held scores in the 600–749 range. By 2025, that proportion had fallen to 33.8%, indicating a narrowing of the middle ground between strong and weak borrowers.The most p ...

学生贷款拖欠情况 - 超过10%的消费者学生贷款逾期超过90天未还款 [1] - 在2,100万被评分的消费者中 10%有联邦学生贷款还款计划 其中310万人(31%)在2月至4月期间出现拖欠记录 [2] - 拖欠率从去年4月的79%上升至今年4月的98% 同比增长25% [2] 信用评分影响 - 610万拖欠学生贷款的消费者平均信用评分下降69点 使平均分低于600 [3] - 约25%的借款人信用评分暴跌超过100点 [3] - 190万消费者虽未产生拖欠记录但自去年10月以来未还款 其信用评分反而平均上升2点 [4] - 1,290万借款人自10月以来至少还款一次 其信用评分在报告期内下降1点 [4] 评分机制与人群分布 - 还款历史在FICO评分中占比约35% 是评分计算的最重要组成部分 [5] - Z世代自2020年以来同比评分降幅最大 34%的Z世代持有学生贷款 是全量评分人群比率的两倍 [5] 政策背景与时间线 - CARES法案允许消费者从2020年3月至2023年10月暂停联邦学生贷款还款 [6] - 美国教育部设置的"缓冲期"(2023年10月1日至2024年9月30日)推迟了拖欠记录上报时间 [6] - 联邦学生贷款拖欠记录于今年2月开始出现在信用报告中 因逾期90天后才会显示 [7] - 教育部在特朗普政府期间于5月恢复学生贷款催收 [7]