Episode Details

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Average American Debt and Lifetime Interest Payments

•  Experian: Average American Debt by Age in 2025 – Reports average consumer debt at $104,755 in June 2025, closely matching the transcript’s $104,215 figure. 

•  CNBC: How Much Americans Owe at Every Age – Breaks down average debt by generation, noting $104,755 in 2025. 

•  Realtor.com: Americans Face an Average of $1.8 Million in Lifetime Debt – Estimates lifetime debt payments at $1,786,810, with breakdowns including interest; useful for comparing to the transcript’s $279,000 lifetime payment example. 

•  JG Wentworth: Life of Debt – Details average lifetime debt at $1,786,810, including interest extraction over time. 

•  Self: Life of Interest – What Americans Pay in Interest Over a Lifetime – Calculates average lifetime interest at $649,067, providing context for interest-based “extraction.” 

Student Loan Debt Statistics

•  Education Data Initiative: Student Loan Debt Statistics 2025 – Covers delinquency rates and total debt trends in 2025. 

•  BestColleges: Average U.S. Student Loan Debt 2025 Statistics – Notes millions owing over $100,000, with total debt context. 

•  WINSSolutions: U.S. Student Loan Statistics in 2025 – Projects total U.S. student debt nearing $1.79 trillion by end of 2025, close to the transcript’s $1.7 trillion. 

•  Congress.gov: A Snapshot of Federal Student Loan Debt – States nearly 43 million borrowers with over $1.6 trillion in debt (early 2025 data). 

Credit Card Debt and APR

•  Ramp: 2025 Average Credit Card Debt Statistics – Confirms average APR at 24.37% as of January 2025, matching the transcript exactly. 

•  Investopedia: Average Credit Card Interest Rate for August 2025 – Tracks average rates around 23.99%, with monthly updates. 

•  LendingTree: Average Credit Card Interest Rate in US Today – Reports Q3 2025 average APR at 21.39%, with trends on rising rates. 

Medical Debt Statistics

•  KFF: Americans’ Challenges with Health Care Costs – Reports 41% of adults with health care debt in 2022, aligning with the transcript’s 41% figure. 

•  NIH PMC: Medical Debt and Collections in the United States