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1
https://www.cnbc.com/2022/11/15/household-debt-soars-at-fastest-pace-in-15-years-as-credit-card-use-surges-fed-report-says.html
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2
https://www.bankrate.com/mortgages/manage-mortgage-with-more-debt/
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3
https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-to-income-ratio-en-1791/
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4
https://www.fool.com/the-ascent/research/average-american-household-debt/
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5
https://www.equifax.com/personal/education/debt-management/types-of-consumer-debts/
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6
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7
https://data.oecd.org/hha/household-debt.htm
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8
https://www.reuters.com/markets/us/us-household-debt-tops-16-trillion-amid-rising-inflation-2022-08-02/
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9
https://www.wellsfargo.com/goals-credit/smarter-credit/credit-101/debt-to-income-ratio/dti-faqs/
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10
https://www.rocketmortgage.com/learn/debt-to-income-ratio
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11
https://fred.stlouisfed.org/series/TDSP
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12
https://www.bloomberg.com/news/articles/2022-08-02/us-household-debt-surpasses-16-trillion-amid-higher-mortgages
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13
https://www.statista.com/topics/1203/personal-debt/
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14
https://www.federalreserve.gov/pubs/bulletin/2003/1003lead.pdf
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15
https://www.experian.com/blogs/ask-experian/how-much-americans-owe-on-their-mortgages-in-every-state/
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16
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17
https://www.lendingtree.com/debt-consolidation/whats-a-good-debt-income-ratio/
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18
https://www.chase.com/personal/mortgage/education/financing-a-home/debt-to-income-ratio
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19
https://www.osc.state.ny.us/files/reports/pdf/household-debt-in-new-york-state.pdf
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20
https://www.forbes.com/sites/jonathanponciano/2022/08/02/american-household-debt-hits-record-162-trillion-as-mortgages-credit-card-spending-swell-delinquencies-creep-up/
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21
https://www.moneymanagement.org/blog/can-credit-card-debt-be-rolled-into-my-mortgage
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22
https://www.incharge.org/debt-relief/how-much-debt-is-too-much/
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23
https://www.brookings.edu/policy2020/votervital/who-owes-all-that-student-debt-and-whod-benefit-if-it-were-forgiven/
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24
https://www.debt.org/faqs/americans-in-debt/demographics/
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25
https://www.investopedia.com/terms/d/dti.asp
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26
https://www.usbank.com/financialiq/manage-your-household/manage-debt/good-debt-using-debt-to-build-wealth.html
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27
https://www.moneygeek.com/credit-cards/analysis/average-american-debt/
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28
https://www.jpmorganchase.com/institute/research/household-debt
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29
https://www.visualcapitalist.com/us-consumer-debt-16-trillion/
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30
https://www.kansascityfed.org/documents/5177/ccr-2016-3Q-CR-District.pdf
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31
https://www.creditkarma.com/insights/i/average-mortgage-debt
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32
https://www.aarp.org/money/credit-loans-debt/
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33
https://commonslibrary.parliament.uk/research-briefings/cbp-7584/
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34
https://www.uccu.com/why-mortgages-are-different-from-other-kinds-of-debt/
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35
https://www.nerdwallet.com/personal-loans/debt-consolidation-loans
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36
https://www.schwabmoneywise.com/essentials/good-debt-vs-bad-debt
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37
https://www.huntington.com/Personal/specialty-mortgages/personal-loans
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38
https://en.wikipedia.org/wiki/Household_debt
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39
https://files.hawaii.gov/dbedt/economic/reports/Consumer_Debt_Quarterly.pdf
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40
https://nationalmortgageprofessional.com/news/us-household-debt-rise
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41
https://www.jchs.harvard.edu/blog/high-levels-of-mortgage-debt-are-associated-with-lower-financial-well-being-among-older-homeowners
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42
https://consumer.ftc.gov/articles/how-get-out-debt
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43
https://www.washingtonpost.com/news/wonk/wp/2013/08/15/five-facts-about-household-debt-in-the-united-states/
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44
https://www.quickenloans.com/learn/refinance-to-pay-off-debt
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45
https://www.gwadvisors.net/mortgage-and-debt/
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46
https://www.bbc.com/news/business-45343236
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47
https://www.frbsf.org/economic-research/publications/economic-letter/2012/august/consumer-debt-economic-recovery/
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48
https://www.capitalone.com/learn-grow/money-management/types-of-debt/
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49
https://www.rba.gov.au/publications/rdp/2019/pdf/rdp2019-06.pdf
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50
https://www.bankofamerica.com/banking-information/assistance/credit-cards/managing-credit-card-debt/
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51
https://www.thestreet.com/personal-finance/this-financial-tool-is-the-most-stressful-form-of-consumer-debt
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52
https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-6-Liability-Assessment/1032996291/B3-6-05-Monthly-Debt-Obligations-12-16-2020.htm
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53
https://alleviatefinancial.com/debt-settlement/understanding-consumer-debt/
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54
https://abc11.com/debt-us-mortgage-household/11219062/
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55
https://theonebrief.com/the-consumer-debt-crisis-a-vicious-circle-of-finances-stress-and-health/
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56
https://www.bis.org/publ/qtrpdf/r_qt1712f.pdf
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57
https://www.ramseysolutions.com/debt/average-american-debt
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58
https://www.irs.gov/newsroom/home-foreclosure-and-debt-cancellation
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59
https://educationdata.org/student-loan-debt-vs-other-debts
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60
https://www.marketwatch.com/story/american-household-debt-continues-to-march-higher-driven-by-one-major-factor-new-york-fed-says-11652199850
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61
https://www.amfam.com/resources/articles/money-matters/consolidate-debt-with-mortgage-refinance
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62
https://www.rocketloans.com/learn/personal-loan-basics/will-getting-a-personal-loan-affect-getting-a-mortgage
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63
https://www.tandfonline.com/doi/full/10.1080/09692290.2020.1745868
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64
https://gardner.utah.edu/wp-content/uploads/2016/07/Consumer-Debt-Snapshot-V2.pdf
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65
https://www.firststparis.com/personal/personal-loans/installments/personal-debt-consolidation
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66
https://www.usa.gov/debt
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67
https://www.wsj.com/articles/u-s-households-took-on-1-trillion-in-new-debt-in-2021-11644342925
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68
https://themortgagereports.com/37379/debt-consolidation-to-qualify-for-a-mortgage
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69
https://www.robinsfcu.org/news/how-do-personal-loans-affect-getting-mortgage-loan
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70
https://www.freedommortgage.com/learning-center/articles/how-to-consolidate-debt
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71
https://calmatters.org/california-divide/2021/02/why-personal-debt-looks-healthy-despite-worst-year-for-jobs/
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72
https://www.chicagobusiness.com/finance-banking/us-household-debt-surpasses-16-trillion-higher-mortgages
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73
https://fortune.com/2022/05/10/american-households-have-almost-16-trillion-of-debt/
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74
https://oportun.com/financial-education/how-much-debt-does-the-average-american-have/
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75
https://www.marketplace.org/2019/09/24/what-you-should-know-about-household-debt/
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76
https://mycreditsummit.com/american-consumer-debt-statistics/
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77
https://www.americanexpress.com/en-us/credit-cards/credit-intel/personal-debt/
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78
https://www.cowboychicken.com/just-how-much-personal-credit-card-debt-is-ok-when/
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79
https://rhg.com/research/china-household-debt/
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80
https://daily.jstor.org/how-we-all-got-in-debt/
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81
https://www.bnnbloomberg.ca/us-household-debt-surpasses-16-trillion-on-higher-mortgages-1.1800390
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82
https://www.pewtrusts.org/~/media/assets/2015/07/reach-of-debt-report_artfinal.pdf
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83
https://www.ibisworld.com/us/bed/aggregate-household-debt/4061/
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84
https://www.mortgageloan.com/debt-consolidation
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85
https://www.lendingclub.com/
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86
https://www.ft.com/content/ea799634-9b24-4385-a7d7-0a99f8cf68a2
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87
https://www.businessinsider.com/personal-finance/average-american-debt
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88
https://money.usnews.com/loans/personal-loans/articles/how-to-manage-your-debt-before-a-recession
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89
https://www.urban.org/sites/default/files/alfresco/publication-pdfs/413190-Debt-in-America.PDF
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90
https://www.capitalrecovery.net/blog/what-are-the-biggest-types-of-consumer-debt/
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91
https://www.foxbusiness.com/personal-finance/household-debt-surges-q1
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92
https://www.encyclopedia.com/economics/economics-magazines/personal-debt-0
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93
https://www.elevate.com/article/how-mortgage-debt-differs-from-other-debt
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