New Hampshire Debt Delinquencies Rose in Early 2025
Data from the first quarter of 2025 showed a significant increase in severe payment delinquencies across the state.
Updated on Sept. 28, 2026 in Debt Relief
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Nearly 12% of New Hampshire borrowers were at least 90 days behind on debt payments during the first quarter of 2025. This uptick in severe delinquency has been driven primarily by credit card and auto loan struggles.
Why it matters
A widening financial disparity between wealthy and lower-income households is fueling these rising delinquency rates. This trend suggests that many residents are struggling to balance basic costs of living in a K-shaped economy.
Official analysis found that 10% of Granite Stater borrowers are severely delinquent on credit cards, while 4.6% of auto loans are at least 90 days past due. These figures are being measured against a recession-era peak of 6% for auto loan defaults.
The players
Department of Employment Security
This state agency is responsible for overseeing labor and economic data reporting within New Hampshire.
The details
While credit card and vehicle loan defaults are climbing, most borrowers in New Hampshire are continuing to meet obligations for home equity, mortgage, and student loans. The Department of Employment Security reports that these diverging trends highlight the disparate financial health of local households.
Timeline
Consumer debt data was analyzed for the first quarter of 2025.
Credit card delinquency rates reached levels comparable to the 2006-2010 period.
Macro View
The current economic environment in New Hampshire reflects a K-shaped recovery pattern where financial strain remains high for some residents. These trends closely mirror the economic distress observed during the Great Recession between 2006 and 2010.
The rise in severe delinquencies indicates that many local families are facing increased pressure on their monthly budgets. Residents struggling to make payments may find it more difficult to secure future credit or loans as these delinquency figures continue to climb.
The takeaway
The divergence between different types of loan payments highlights that household financial stability is not uniform across the state. Borrowers should prioritize essential payments and review their debt management strategies as these economic pressures persist.
Further reading
Learn more about local financial trends in New Hampshire Debt Relief.
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