credit

Consumer Debt Service Ratio

Latest

5.28%

Methodology

## What this measures

Required payments on consumer debt (cards, auto, student loans and other) as a percent of disposable personal income.

## Why it matters

It is the share of take-home pay already spoken for before a household buys anything.

## How to read it

Lower is better. Read with the mortgage ratio (fred_mortgage_debt_service); the household total is fred_household_debt_service.

## Source

Federal Reserve Board via FRED (`CDSP`). Public.

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