north face winter jackets for men e’s a sudden change, these types of consumer lending are reverting to historical norms, otherwise known as the old normal.The new normal applies to two other categories of lending: One is student-loan debt, which has exploded during the past several years and now totals more than trillion. The default rate on those loans has been rising, revealing the financial stress many young adults struggle with. The default rate ought to come down as the labor market improves and jobs for recent grads become more plentiful, but many of those borrowers will remain scarred all the same.The other outlier is housing debt. Mortgage lending remains depres
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