The average degree of credit in the United States slides with a high student loan

The American average credit degree has declined in the country, due significantly to the appeal Federal students loan District reports on credit reports for consumers in the United States, according to Fico.

The registration agency reported that the national result of the United States of America-used as a standard for assessing consumer credit risks-decreased to 715, which represents a decrease in one point from January and a decrease in two points from April 2024.

Fico, ranging from 300 to 850, fluctuates, based on updates of the borrower’s behavior that is followed by the three main consumer reporting agencies: Equifax, Transnion and Experian. These grades are used by banks and lenders to know who can lend money safely.

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Fico regularly publishes an average national result, and provides an essential look at consumer credit.

According to Student loan payments.

The share of consumers with delinquency has increased more than 90 days in the past six months from 7.4 % in January to 8.3 % in February. This is the first time that this number exceeds prenatal levels. In January 2020, it was 8.1 %, according to Fico.

The expert says the risk of purchase now, and later pushed: “A ticket to increase spending.”

Tommy Lee, director of analyzes and degrees at Fico, said in a blog on Wednesday that 2.7 million borrowers had a new student’s loan that was reported as of 2025, but about 5.4 million additional consumers have not yet submitted the student’s misdemeanor.

These borrowers are also at risk of affecting their credit degree if they fail to make payments, and a 90 -day new student loan is reported on their credit file. This can lead to more declines in the average Fico degree in the next few months, according to the Lee.

Relatively, about 12.4 million borrowers have at least one student loan since October 2024, in a good position to maintain or improve credit if they continue to make time payments.

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Fico also mentioned that some consumers have also seen modest improvements in the use of credit, which is the total amount of credit available to someone they use. This scale accounts for 30 % of Fico.

According to fico, average The use of the credit card decreased From January to February due to seasonal cuts in credit card balances after holidays. This partially helped compensate for the decrease in the result, according to the registration agency.