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How Student Debt Is Changing in 2026

19 October 2026

New Podcast Episode: How Student Debt Is Changing in 2026

Student loan delinquencies have declined sharply in 2026, yet concerns over renewed collections and the end of SAVE plan forbearance continue to generate headlines. In this episode of In the Tranches of Structured Finance, Vadim Verkhoglyad examines dv01's latest student debt research to separate concerns about repayment from what the data actually shows.

Tune in for insights on:

  • Why 30+ day delinquencies have declined 40% since Q4 2025, reaching levels below those seen in 2015.
  • Why the resumption of student loan payments has not led to widespread deterioration across other consumer credit sectors.
  • What declining SAVE plan enrollment and the continued growth of income-driven repayment reveal about borrower behavior.
  • Why outstanding balances continue to rise despite relatively flat loan counts, with debt increasingly concentrated among older borrowers and those with higher balances.

Subscribe to our free research to stay up-to-date on the latest trends. Contact sales@dv01.co to learn how dv01 data can help you understand what's going on in the market, and to better analyze your whole loan portfolio and securitizations.

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About the dv01 Podcast

dv01's In The Tranches of Structured Finance podcast explores macroeconomic trends, sector performance, and the future of capital markets. As a leading market intelligence company in structured credit, dv01 provides transparency and actionable insights through loan-level data and research.

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