Many consumers are thinking twice about taking on debt, while many lenders are tightening standards on credit card loans.

Delinquencies have been rising for credit cards and auto loans.

With missed student loan payments now affecting credit scores, borrowers face tough choices.

Young business aces abound at the junior livestock show, including an agriculture podcast host and an aspiring loan officer.

Even though interest rates have been falling, people are more reluctant to take on new debt.

The rules were updated by several federal regulators this week, including the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency.

A more detailed look at the numbers reveals a more complex picture about Americans’ debt.

At a time of high prices and interest rates, BNPL offerings are tempting. But they could lead vulnerable consumers into a debt spiral.

The Consumer Financial Protection Bureau announced new rules today requiring companies like Afterpay and Klarna to investigate when customers dispute a charge, and issue refunds for returned products. They’ll also have to provide periodic billing statements.

Freeze your credit, and don’t be afraid to ask for help or use free, online resources, experts say.