New Hampshire Debt Delinquencies Rose in Early 2025

Nearly 12% of New Hampshire borrowers fell 90 days behind on at least one debt payment in the first quarter.

Updated on Sept. 28, 2026 in Debt Relief

Bold flat-color editorial illustration showing a stylized metallic house key, representing economic debt and financial pressure. — New Hampshire residents faced rising debt delinquency in early 2025, as 12% of borrowers fell 90 days behind on at least one payment. AI Illustration. Upload story photo >

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Do you feel financial stability is getting worse for typical households in your area?

Data from the first quarter of 2025 revealed that 12% of New Hampshire borrowers were severely delinquent on their debt. This status applies to individuals whose payments are at least 90 days past due.

Why it matters

A growing financial disparity between wealthier and lower-income households has contributed to these rising delinquency rates. These trends highlight the strain on households struggling to keep up with monthly bills.

Approximately 10% of New Hampshire borrowers are now severely delinquent on credit card payments, while auto loan delinquency has reached 4.6%. The latter figure remains below the 6% recession-era peak.

The players

Department of Employment Security

A state agency that manages labor and employment data and provides oversight on economic trends affecting the local workforce.

The details

The Department of Employment Security report highlights a K-shaped economic environment where debt burdens are diverging among residents. While mortgage, home equity, and student loan payments are largely being met, credit cards and auto loans are showing significant stress. This indicates that specific segments of the population are finding it harder to maintain their monthly obligations.

The consumer debt data reflects conditions observed during the first quarter of 2025.
Credit card delinquency levels are now comparable to rates observed between 2006 and 2010.

Money Landscape

The rise in severe delinquencies reflects a return to metrics last seen during the 2006-2010 Great Recession period. This underscores a shift in the debt cycle that deviates from the recent stability seen in other loan categories like mortgages.

Households facing difficulty meeting payments should review their budget lines to prioritize essential debt. If you are struggling with repayment, consider speaking with a qualified financial professional to explore your options.

The takeaway

Rising delinquency rates indicate that some households are experiencing significant financial pressure compared to historical norms. It is a good time to review your debt obligations and discuss a potential repayment plan with a qualified financial professional.