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Millions of Americans See Credit Scores Plunge

The credit scores of millions of Americans have plummeted in the first quarter of the year as a result of rising student loan delinquency rates, following the end of a years-long pause on federal payments. According to a recent report by the Federal Reserve Bank of New York, nearly six million student loan borrowers—nearly 14 percent—were 90 or more days delinquent or in default between January and March 2025.
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