Americans Enter Summer 2026 Owing a Record $18.79 Trillion, United Debt Relief Analysis Finds

SAN DIEGO - Rezul -- U.S. household debt has reached an all-time high of $18.79 trillion, according to a new analysis of Federal Reserve Bank of New York data published by United Debt Relief, the San Diego-based debt relief firm serving all 50 states. Total balances rose $591 billion over the past year, setting fresh records every quarter.

The analysis, part of United Debt Relief's continuously updated U.S. Debt Statistics resource, highlights the pressure points facing American households as the summer spending season begins:

• Credit card balances total $1.25 trillion nationwide - up $70 billion year over year - even after a seasonal $25 billion paydown in the first quarter.
• The average credit card APR stands at 21.00%, and 21.52% on accounts actually carrying a balance. New card offers average roughly 24%.
• Households that carry revolving credit card debt owe an average of $10,895.
• The average consumer now holds $105,444 in total debt and pays $1,237 per month toward debt obligations, while the average FICO score has slipped to 713.
• About 4.8% of all outstanding household debt was in some stage of delinquency in the first quarter of 2026.
• Generational gap: Gen Z carries about $25,062 in average debt - up nearly 29% in two years - while Gen X carries the heaviest load at $70,710.

"The numbers tell a simple story: balances are at records, rates are still above 21%, and summer is historically when household spending peaks," said Nick Avila, Owner/Founder of United Debt Relief. "A family carrying the average $10,895 card balance at 21.52% APR is paying roughly $195 a month in interest alone before touching the principal. June is the right time to get ahead of that math, not September."

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United Debt Relief publishes its U.S. Debt Statistics page as a free public resource for consumers, journalists, and researchers, with data drawn from the Federal Reserve, Experian, the CFPB, and other primary sources, refreshed quarterly. The full dataset, including charts and category-by-category breakdowns, is available at https://uniteddebtrelief.com/debt-data/

Consumers who want to understand their options can compare five debt relief approaches - debt settlement, debt validation, debt consolidation loans, tax resolution, and credit repair - with a free consultation at https://uniteddebtrelief.com/



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