联邦学生贷款：拖欠率回升及其对贷款机构的影响.pdf

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1、Federal Student Loans:The Return of Delinquency and Its Impact on Lenders20 January 2026Chris Huszar,Director,Research&ConsultingFederal Student Loans:Financial Services SummitThe Return of Delinquency and Its Impact on Lenders20 January 2026Chris Huszar 2026 TransUnion.All Rights Reserved3 3 2026 T

2、ransUnion.All Rights ReservedNow many of these delinquent consumers are reaching default,which triggers collection efforts and will directly impact a consumers cash flow.At the conclusion of the on-ramp program in September 2024,we first started to see significant level of delinquencies impact consu

3、mer scores in early 2025.They remained in deferral for much longer than other credit products until October 2023 when payments resumed with a one year on-ramp program.Federal student loans entered deferral in March 2020 as the pandemic began.2026 TransUnion,its subsidiaries and/or affiliates.All Rig

4、hts Reserved.US Market Situation 2026 TransUnion.All Rights Reserved4Agenda4 2026 TransUnion.All Rights Reserved1.Overview of Federal Student Loans2.Delinquency3.Credit Score Impact4.Lender Implications5.Whats Next?Overview of Federal Student Loans 2026 TransUnion.All Rights Reserved6 6Average educa

5、tion costs far exceed the median annual wage of degree holdersMedian Annual Earnings of Bachelor Degree Holders*:$80,236Average 2025-26 Four Year Undergraduate Costs Public In-StatePublic Out-of-StatePrivate$123,960$203,680$261,880Tuition,Books,FeesHousing,Food,Other ExpensesSource:College Board,Tre

6、nds in College Pricing and Student Aid 2025,Figure CP-1*2024 WagesSource:U.S.Bureau of Labor Statistics via FRED1.5x2.5x3.3x 2026 TransUnion.All Rights Reserved7%Increase in College Cost and Median Wages for College Degree HoldersCollege costs rose at a much quicker pace than wages over several deca