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Household Debt in America: A Look across Generations over Time

November 5, 2014 | St. Louis Mo.
Don Schlagenhauf
Presentation (pdf)

Americans take on different kinds of debt at different points in their lives, but exactly how has household debt changed across generations and over time? This series of Dialogue with the Fed videos looks at changes in household debt-to-income ratios and in the amount and type of debt that consumers take on over the course of a lifetime including student loans, mortgages, credit card debt and auto loans. The presentation considers household income for all consumers and for minorities focusing on how recent recessions impacted disparities in earnings, income and net worth. The series concludes with a discussion of the Fed’s response to declines in household wealth and reduced spending.

View all videos from this Dialogue with the Fed event »