People in the US: have you been borrowing more money recently than you used to?

We’re interested to hear from people in the US how they feel about their levels of personal consumer debt.

Has your borrowing increased in recent months or years, and if so, what are the reasons?

How does your debt affect your life, household, or family members, and your plans? We’d like to hear about it.

Share your experience

Tell us about your personal levels of consumer debt, whether they have increased recently and if so why, and how your loans affect your life.

Your responses, which can be anonymous, are secure as the form is encrypted and only the Guardian has access to your contributions. We will only use the data you provide us for the purpose of the feature and we will delete any personal data when we no longer require it for this purpose. For true anonymity please use our SecureDrop service instead.

If you live in the US, tell us if you’ve been borrowing more money recently than you previously did, and why

Please include as much detail as possible

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left hot tub party for more Prosecco moans about stinging nettles after flipping car">Moment drink-driving glamper who left hot tub party for more Prosecco moans about stinging nettles after flipping car</a></h2><div class="post-meta-info is-show-icon"><div class="post-meta-info-left"><span class="meta-info-el meta-info-date"><i class="icon-simple icon-clock"></i><span>December 23, 2024</span></span></div></div></div></article></div><div class="post-outer ruby-col-5"><article class="post-wrap post-grid post-grid-3"><div class="post-header"><div class="post-thumb-outer ruby-animated-image ruby-zoom"><div class="post-thumb is-image"><a href="https://www.businesstelegraph.co.uk/u-k-shares-higher-at-close-of-trade-investing-com-united-kingdom-100-up-0-11/" title="U.K. shares higher at close of trade; Investing.com United Kingdom 100 up 0.11%" rel="bookmark"><span class="thumbnail-resize"><img width="272" height="170" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20272%20170'%3E%3C/svg%3E" data-lazy-srcset="https://usercontent.one/wp/www.businesstelegraph.co.uk/wp-content/uploads/2024/12/1734977113_UK-shares-higher-at-close-of-trade-Investingcom-United-Kingdom-272x170.jpg?media=1732534182 768w, https://usercontent.one/wp/www.businesstelegraph.co.uk/wp-content/uploads/2024/12/1734977113_UK-shares-higher-at-close-of-trade-Investingcom-United-Kingdom-100x65.jpg?media=1732534182 767w" data-lazy-sizes="(max-width: 767px) 33vw, 768px" alt="" data-lazy-src="https://usercontent.one/wp/www.businesstelegraph.co.uk/wp-content/uploads/2024/12/1734977113_UK-shares-higher-at-close-of-trade-Investingcom-United-Kingdom-272x170.jpg?media=1732534182"/><noscript><img width="272" height="170" loading="lazy" 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warned" rel="bookmark"><span class="thumbnail-resize"><img width="272" height="170" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20272%20170'%3E%3C/svg%3E" data-lazy-srcset="https://usercontent.one/wp/www.businesstelegraph.co.uk/wp-content/uploads/2024/12/1734963492_Labour-is-dragging-Britain-into-a-RECESSION-as-growth-grinds-272x170.jpg?media=1732534182 768w, https://usercontent.one/wp/www.businesstelegraph.co.uk/wp-content/uploads/2024/12/1734963492_Labour-is-dragging-Britain-into-a-RECESSION-as-growth-grinds-100x65.jpg?media=1732534182 767w" data-lazy-sizes="(max-width: 767px) 33vw, 768px" alt="" data-lazy-src="https://usercontent.one/wp/www.businesstelegraph.co.uk/wp-content/uploads/2024/12/1734963492_Labour-is-dragging-Britain-into-a-RECESSION-as-growth-grinds-272x170.jpg?media=1732534182"/><noscript><img width="272" height="170" loading="lazy" 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