Report

America has a debt problem — and a $36T solution

An in-depth look at America’s rising unsecured household debt — and how borrowers are using HELOCs to reduce high-interest debt, improve credit, and unlock financial freedom.

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Real borrower data reveals a widening gap: historic home equity levels and unprecedented unsecured debt at higher rates. See how forward-thinking lenders are helping homeowners bridge that gap.

What you'll learn:

Key debt trends impacting U.S. households alongside the rise in tappable home equity
How HELOCs are emerging as a powerful solution for debt consolidation
Real-world debt data from nearly 14K borrowers, with APRs reduced, and FICO scores improved

Home equity is no longer sitting idle. It's becoming a fast, seamless debt consolidation engine — helping borrowers unlock household liquidity, reduce high-interest burdens, and improve financial health, while driving meaningful HELOC adoption.
Download the full report today.