Strategic Debt Restructuring in 2025: A Comprehensive Analysis of the Best Debt Consolidation Loans
The U.S. household debt landscape in late 2025 presents a paradox of apparent macroeconomic stability masking severe consumer liquidity pressures. Total household debt has reached a historic $18.59 trillion, with credit card balances growing $24 billion in Q3 alone to $1.23 trillion.
This debt accumulation occurs against punishing financial conditions—average credit card APRs remain fixed above 22%, creating mathematically unsustainable repayment scenarios for millions. The widening gap between revolving and installment credit costs has opened unique arbitrage opportunities for strategic restructuring.