The student debt crisis has gone from a burden to a breaking point for millions of Americans. With total U.S. student loan debt now topping $1.63 trillion, borrowers are overwhelmed and, increasingly, walking away. Delinquency rates are spiraling — especially alarming is the 841% spike in serious student loan delinquency in early 2025, the highest since the pandemic began.
Even threatened with wage garnishment, tax refund seizures, or plummeting credit scores — millions of borrowers have already lost 100 credit points or more — many still feel they have no choice but to quit chasing a solution.
In this video, we unpack:
The staggering scale of the debt burden: $1.63 trillion and growing.
The shocking increase in delinquencies — especially the 841% rise in late payments.
Why borrowers are giving up: inflation, job instability, and lack of effective forgiveness are pushing them past the brink.
The impact of the “One Big Beautiful Bill”: caps on borrowing, elimination of repayment paths, and restrictions on forgiveness programs.
The rollback of loan forgiveness — with forgiven loans potentially becoming taxable again.
If you’re struggling under debt that feels endless, you’re not alone — and this video reveals why the breakpoints are growing by the day.
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