“In the first quarter of 2023, household debt in America rose to $17.05 trillion, representing a precipitous increase over the last decade. In part, rising debt can be attributed to cost growth outpacing income growth which requires many Americans to borrow more to pay for housing, higher education and consumer goods. For example, one study found that college costs have increased by almost 170% since 1980, while the average earnings for young adults (aged 22-27) has only increased by 19%. Middle class Americans are shouldering much of this debt, and many are living paycheck to paycheck.”
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