A July survey by Freedom Debt Relief and Money.com of 1,800 U.S. adults with at least $10,000 in unsecured debt (excluding student loans) found 28% could only afford minimum payments and 20% were behind on at least one account. Many had cut back: 41% had stopped dining out or ordering delivery, and 40% had stopped nonessential online shopping. The Federal Reserve reported an annualized 22.36% rate on commercial-bank credit card accounts assessed interest in August, though that aggregate does not reflect every borrower's rate. The CFPB advises struggling borrowers to contact their card issuer promptly to ask for relief, and to pay down the highest-rate balance first when they have extra money. The findings describe the respondents, not U.S. borrowers as a whole.
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• NeutralSPDR S&P 500 ETF
Relevance: low
| Market | US stocks |
|---|---|
| Sector | ETF |
| Close on 10/19/2026 | 766.48 |
| Change that session | +0.42% |
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