Total household debt in the U.S. hit $185 billion in the second quarter of 2025. The$18.39 trillion increase was tallied from the balances of mortgages, home equity lines of credit (HELOC), auto loans and credit cards. Read Next: Dave Ramsey Says This is the Best Way to Pay Off Debt For You: 5 Types of Cars Retirees Should Stay Away From Buying Debt has increased $4.24 trillion since the last quarter of 2019, according to the New York Fed’s latest Household Debt and Credit Report released in August 2025. ...