Banks are handing out record-breaking personal loans—over five billion dollars in just three months of 2026—as Americans scramble to cope with soaring living costs, draining savings, and turning to debt just to get by. With average rates near nine percent, this borrowing boom reflects deepening financial stress, especially as car loans lag behind. Easy online approvals may be fueling risky debt, and the national debt helpline is flooded with calls—warning that everyday survival is now the new financial battleground.
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