Default by Design: The Four-Front War on U.S. Consumers
Medical debt returns. Student loans squeeze. Medicaid shrinks. BNPL taps your credit. And it’s all happening at once.
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Credit scores are falling. Loan defaults are rising. Medicaid is vanishing. And now BNPL balances are being tracked too.
In just months, four shocks have collided:
A Texas judge reversed medical debt reporting protections
Student loan payments resumed — 40% missed the first bill.
H.R.1 slashes Medicaid rolls.
BNPL debts now hit your credit score.
Lower credit, higher debt, less coverage — and no margin for error.