Student Loan Debt in US 2025
The landscape of student loan debt in the United States has reached unprecedented levels in 2025, representing one of the most significant financial challenges facing American households today. With total outstanding balances surpassing $1.78 trillion, student loans have evolved into the second-largest category of consumer debt nationwide, trailing only mortgage obligations. This mounting crisis affects more than 42.3 million borrowers across all age demographics, income levels, and educational backgrounds, fundamentally reshaping how Americans approach higher education financing and long-term financial planning.
Understanding the current state of student loan debt statistics in the US for 2025 requires examining multiple dimensions of this complex issue. Federal government data reveals that 92.1% of all student loan debt consists of federal loans managed by the U.S. Department of Education, while private loans account for the remaining portion. The average federal student loan debt per borrower has climbed to $39,075 as of the third quarter of 2025, representing a 3.23% increase from 2024 levels. These figures underscore the persistent challenges borrowers face as education costs continue rising faster than wage growth, creating a debt burden that extends well beyond graduation and impacts major life decisions including homeownership, family planning, and retirement savings.
Interesting Student Loan Debt Facts in the US 2025
| Key Fact | 2025 Statistic |
|---|---|
| Total Student Loan Debt in US 2025 | $1.78 trillion |
| Total Federal Student Loan Debt | $1.67 trillion |
| Total Private Student Loan Debt | $144.9 billion |
| Total Number of Federal Borrowers | 42.3 million recipients |
| Average Federal Student Loan Debt | $39,075 per borrower |
| Average Total Student Loan Debt (Including Private) | $42,673 per borrower |
| Median Student Loan Debt | $20,000 to $24,999 |
| Percentage of Americans with Student Loan Debt | 30% of all adults |
| Borrowers with Outstanding Debt | 17% of all adults |
| Borrowers Who Fully Repaid | 24% of all adults |
| Year-over-Year Debt Growth (2024 to 2025) | 2.85% increase |
| Federal Debt Year-over-Year Growth | 2.27% increase |
| Private Debt Year-over-Year Growth | 7.06% increase |
| Delinquency Rate (90+ Days) | 10.16% of all loans |
| Federal Loan Delinquency Rate (31+ Days) | 29.5% by dollar balance |
| Default Rate (Federal Loans) | 7% of portfolio ($117 billion) |
| Borrowers in Forbearance Status | 10.3 million recipients |
| Borrowers Behind on Payments | 20% of outstanding borrowers |
| Bachelor’s Degree Holders Who Borrowed | 48% of all graduates |
| Graduate Degree Holders Who Borrowed | 54% of all graduates |
Data Source: U.S. Department of Education Federal Student Aid Data Center (June-September 2025), Federal Reserve Board Report on Economic Well-Being of U.S. Households (May 2025)
The data presented above reflects the most current verified statistics from official U.S. government sources as of December 2025. The Federal Student Aid Data Center reports that the outstanding federal student loan portfolio increased by 3% from June 2024 to reach $1.67 trillion by June 2025, distributed among 42.3 million recipients. When combined with private student loans totaling $144.9 billion, the aggregate burden reaches $1.78 trillion. These figures demonstrate that despite various policy interventions and forgiveness programs implemented in recent years, student loan debt continues its upward trajectory.
One of the most striking revelations from 2025 data concerns repayment challenges. According to the Federal Student Aid report from August 2025, approximately 5.3 million borrowers with nearly $117 billion in outstanding federal loans are currently in default status, representing 7% of the total federally managed portfolio. Additionally, more than 65% of recipients with loans in active repayment are either current or less than 31 days delinquent, while the remaining 35% face serious delinquency issues. The delinquency rate by total dollar balance stands at 29.5%, significantly higher than the pre-pandemic rate of 12.7% recorded in December 2019. These statistics underscore the widespread difficulties borrowers encounter when attempting to meet their monthly obligations.
Total Outstanding Student Loan Debt in the US 2025
| Debt Category | Amount (2025) | Percentage of Total | Number of Borrowers |
|---|---|---|---|
| Total Student Loan Debt | $1.78 trillion | 100% | 45.8 million |
| Federal Student Loans | $1.67 trillion | 92.1% | 42.3 million |
| Direct Loan Program | $1.50 trillion | 90.0% of federal | 38.0 million |
| Federal Family Education Loan (FFEL) | $161 billion | 9.6% of federal | 6.9 million |
| Perkins Loans | $2.9 billion | 0.2% of federal | 0.9 million |
| Private Student Loans | $144.9 billion | 8.0% | 3.5 million |
| Federally Managed Portfolio | $1.58 trillion | 88.8% | 40.3 million |
Data Source: Federal Student Aid Data Center Portfolio Summary (June 2025), U.S. Department of Education
The comprehensive breakdown of total outstanding student loan debt in the US for 2025 reveals the dominance of federal loans within the educational financing ecosystem. The Direct Loan Program, which became the exclusive federal lending mechanism after 2010, accounts for $1.50 trillion or 90% of the federal portfolio. This program encompasses Direct Subsidized Loans, Direct Unsubsidized Loans, Direct PLUS Loans for parents and graduate students, and Direct Consolidation Loans. Meanwhile, the Federal Family Education Loan program, which ceased issuing new loans in 2010, still maintains $161 billion in outstanding obligations spread across 6.9 million borrowers who originated their loans before the program’s discontinuation.
The U.S. Department of Education directly manages $1.58 trillion across 40.3 million recipient accounts, representing the portion of federal debt for which the government bears direct responsibility for servicing and collection. Within this federally managed portfolio, approximately $600 billion or 38% belongs to borrowers with at least one loan in current repayment or delinquency status, totaling 18.3 million recipients. The remaining 62% of the portfolio consists of loans in various non-repayment statuses including forbearance, deferment, in-school status, grace periods, and default. Notably, 10.3 million recipients have at least one loan in forbearance status as of June 2025, including more than 7 million borrowers enrolled in the Saving on a Valuable Education (SAVE) Plan who were placed in forbearance due to ongoing litigation surrounding the program’s legality.
Average Student Loan Debt in the US 2025
| Debt Metric | 2025 Amount | 2024 Amount | Year-over-Year Change |
|---|---|---|---|
| Average Federal Student Loan Debt | $39,075 | $37,850 | +3.23% |
| Average Total Debt (Federal + Private) | $42,673 | $41,450 | +2.95% |
| Median Student Loan Debt | $20,000-$24,999 | $20,000-$24,999 | Stable |
| Average Public University Bachelor’s Debt | $31,960 | $30,500 | +4.79% |
| Average Private Nonprofit University Debt | $42,449 | $41,000 | +3.53% |
| Average For-Profit Institution Debt | $22,449 | $21,800 | +2.98% |
| Average Undergraduate Borrower Debt | $25,670 | $24,900 | +3.09% |
| Average Master’s Degree Holder Debt | $69,140 | $66,500 | +3.97% |
| Average Law School Graduate Debt | $140,000 | $135,000 | +3.70% |
| Average Medical School Graduate Debt | $200,000 | $192,000 | +4.17% |
Data Source: U.S. Department of Education Federal Student Aid Portfolio (Q3 2025), Federal Reserve Report on Economic Well-Being (May 2025)
The average student loan debt in the US for 2025 demonstrates consistent upward pressure across all borrower categories and educational levels. According to the Federal Student Aid office, the typical federal borrower now carries $39,075 in outstanding obligations, marking a $1,225 increase from 2024 levels. When incorporating private student loans into the calculation, the total average debt burden reaches $42,673 per borrower. However, the median debt load provides important context, remaining stable at $20,000 to $24,999, which indicates that approximately half of all borrowers owe less than this amount while the other half carries higher balances, with some exceeding $100,000.
Educational attainment significantly influences debt accumulation patterns. The Federal Reserve’s 2025 Survey of Consumer Finances confirms that undergraduate borrowers pursuing bachelor’s degrees at public institutions accumulate an average of $31,960 in debt, while their counterparts at private nonprofit universities face substantially higher burdens averaging $42,449. Interestingly, students attending for-profit institutions show lower average debt at $22,449, though these borrowers experience disproportionately higher default rates. Graduate and professional degree holders shoulder the heaviest debt loads, with master’s degree recipients owing an average of $69,140, law school graduates carrying approximately $140,000, and medical school graduates burdened with roughly $200,000 in educational debt. These elevated debt levels for advanced degrees reflect both the longer duration of study and the significantly higher tuition costs associated with graduate and professional programs.
Student Loan Debt by Age Demographics in the US 2025
| Age Group | Average Debt Balance | Percentage of Total Debt | Number of Borrowers | Percentage Who Have Borrowed |
|---|---|---|---|---|
| Under 25 Years | $14,160 | 5.56% | 6.3 million | 25% of age group |
| 25 to 34 Years | $33,260 | 29.4% | 14.2 million | 33.5% of borrowers |
| 35 to 49 Years | $44,288 | 39.6% | 14.6 million | 28.7% of borrowers |
| 50 to 61 Years | $46,790 | 17.5% | 4.8 million | 11.2% of borrowers |
| 62 Years and Older | $43,392 | 7.9% | 2.6 million | 6.3% of borrowers |
Data Source: Federal Student Aid Portfolio by Age (September 2025), Federal Reserve Economic Well-Being Survey (May 2025)
The distribution of student loan debt by age in the US for 2025 reveals unexpected patterns that challenge common assumptions about which generations carry the heaviest burdens. While many assume recent graduates bear the brunt of student debt, Federal Student Aid data demonstrates that borrowers aged 50 to 61 years actually carry the highest average balance at $46,790 per person, followed closely by the 35 to 49 age cohort at $44,288. These older borrowers accumulated substantial debt through multiple pathways including returning to school later in life, pursuing advanced degrees, taking out Parent PLUS loans for their children’s education, and experiencing decades of interest accumulation on original balances.
The 25 to 34 age group represents the largest segment of student loan borrowers, accounting for 29.4% of total federal debt and comprising 14.2 million individuals. According to the Federal Reserve’s May 2025 report, adults aged 30 to 44 were most likely to have taken out student loans during their education, reflecting the peak borrowing period of the mid-2000s through 2010s when college attendance rates reached historic highs. Meanwhile, younger borrowers under 25 years old carry the lowest average balance at $14,160, though this figure will inevitably rise as these individuals complete their education, loans exit grace periods, and interest accrues. The data also reveals a notable trend: 25% of adults aged 18 to 29 currently have student loan debt, making them more likely than any other age demographic to carry education-related obligations.
Student Loan Debt by Repayment Status in the US 2025
| Repayment Status | Number of Recipients | Outstanding Balance | Percentage of Portfolio |
|---|---|---|---|
| Current Repayment (On Time) | 11.9 million | $390 billion | 24.7% |
| Active Repayment Total | 18.3 million | $600 billion | 38.0% |
| Delinquent (31+ Days) | 6.4 million | $210 billion | 13.3% |
| Default Status | 5.3 million | $117 billion | 7.4% |
| Forbearance Status | 10.3 million | $582 billion | 36.8% |
| Deferment Status | 3.6 million | $145 billion | 9.2% |
| In-School Status | 5.2 million | $206 billion | 13.0% |
| Grace Period | 1.2 million | $47 billion | 3.0% |
Data Source: Federal Student Aid Data Center (June 2025), U.S. Department of Education Electronic Announcement (August 2025)
The breakdown of student loan debt by repayment status in the US for 2025 paints a concerning picture of borrower struggles following the end of pandemic-era payment pauses. Out of 40.3 million recipient accounts in the federally managed portfolio, only 11.9 million borrowers or 29.5% maintain current status on their payments, defined as being on time or less than 31 days delinquent. This figure represents a significant decline from pre-pandemic performance levels when approximately 70% of active borrowers maintained current status. The U.S. Department of Education attributes this deterioration partly to the expiration of the on-ramp protection program in October 2024, which had previously shielded delinquent borrowers from the most severe consequences of non-payment.
The data reveals that 6.4 million borrowers with approximately $210 billion in outstanding debt are currently more than 31 days delinquent on their federal loans, representing a 29.5% delinquency rate when calculated by total dollar balance. This marks a dramatic increase from 12.7% in December 2019 and 0.65% in the second quarter of 2024 when pandemic protections remained in effect. Additionally, 5.3 million borrowers with nearly $117 billion have progressed into default status, defined as being more than 270 days past due on payments. Notably, the Federal Student Aid August 2025 announcement clarifies that no new borrowers entered default between March 2020 and late 2024 due to the payment pause, meaning the current default population consists of pre-pandemic defaulters plus those who have recently crossed the 270-day threshold following the resumption of normal collection activities.
Student Loan Borrowing Rates by Education Level in the US 2025
| Educational Attainment | Percentage Who Borrowed | Average Debt Among Borrowers | Median Debt Range |
|---|---|---|---|
| Bachelor’s Degree Holders | 48% | $35,000-$40,000 | $25,000-$30,000 |
| Graduate Degree Holders | 54% | $69,140 | $45,000-$55,000 |
| Associate Degree Holders | 42% | $20,340 | $15,000-$20,000 |
| Some College (No Degree) | 28% | $18,500-$22,000 | $10,000-$15,000 |
| Technical/Certificate Program | 35% | $16,000-$19,000 | $10,000-$15,000 |
| All Postsecondary Attendees | 42% | $37,400 | $20,000-$24,999 |
Data Source: Federal Reserve Survey of Consumer Finances (2024), U.S. Department of Education Federal Student Aid (2025)
The correlation between educational attainment and student loan borrowing rates in the US for 2025 demonstrates that higher levels of education correspond with increased likelihood of having borrowed funds. According to the Federal Reserve’s comprehensive household survey, 48% of adults with bachelor’s degrees and 54% of those with graduate degrees took out student loans to finance their education. These percentages reflect both the substantial cost of completing four-year and advanced degree programs and the limited availability of grant aid for students pursuing higher credentials. In contrast, only 28% of individuals who attended college without completing an associate’s, bachelor’s, or graduate degree report having taken on educational debt.
The borrowing patterns reveal a troubling dynamic: individuals who attend postsecondary institutions but fail to complete credential programs face significant debt burdens without the corresponding earning premium typically associated with degree completion. The May 2025 Federal Reserve report indicates that 28% of people who attended college without completing degrees still carry student debt averaging $18,500 to $22,000. These borrowers often encounter the greatest repayment challenges since they lack the enhanced employment prospects and higher wages that typically accompany degree attainment. Furthermore, proprietary for-profit institutions show the highest incidence of borrowing at 65% of attendees, compared with 54% at private nonprofit schools and 38% at public institutions, yet for-profit attendees demonstrate disproportionately elevated default rates despite their lower average debt balances.
Student Loan Debt by Institution Type in the US 2025
| Institution Type | Percentage Who Borrowed | Average Debt Balance | Current/Former Debt Holders | Default Rate |
|---|---|---|---|---|
| Public Institutions | 38% | $28,775 | 69% of all borrowers | 16% behind |
| Private Nonprofit Institutions | 54% | $42,449 | 23% of all borrowers | 15% behind |
| For-Profit Private Institutions | 65% | $22,449 | 7% of all borrowers | 35% behind |
| Foreign Institutions | 45% | $116,500 | 1% of all borrowers | Data limited |
Data Source: Federal Reserve Economic Well-Being Report (May 2025), U.S. Department of Education Federal Student Aid Portfolio
The type of institution attended substantially influences both the likelihood of borrowing and subsequent repayment outcomes in the US for 2025. Data from the Federal Reserve’s May 2025 survey reveals that students attending for-profit private institutions face the highest borrowing rates at 65%, meaning nearly two-thirds of attendees take out loans to finance their education. Despite the lower average debt balance of $22,449 compared to other institution types, for-profit attendees experience dramatically higher rates of payment difficulties, with 35% reporting being behind on their student loan obligations. This disparity reflects factors including lower completion rates, weaker employment outcomes, and questions about the quality and value of education provided by some for-profit providers.
In contrast, students at public institutions comprise the largest segment of borrowers, representing 69% of all those who have taken educational loans, with 38% of public institution attendees having borrowed during their studies. These borrowers carry average balances of $28,775 and demonstrate relatively better repayment performance, with 16% falling behind on payments. Private nonprofit institution attendees show the highest average debt at $42,449, reflecting the substantially higher tuition charges at these schools, yet their repayment struggles rate of 15% closely mirrors that of public institution borrowers. The data underscores that institutional selectivity, completion rates, and post-graduation employment prospects play crucial roles in determining whether borrowers can successfully manage their debt obligations regardless of the absolute dollar amount owed.
Student Loan Delinquency and Default Rates in the US 2025
| Delinquency/Default Metric | Rate/Number | Outstanding Balance | Change from 2024 |
|---|---|---|---|
| 90+ Days Delinquent (All Loans) | 10.16% | $181 billion | +841% from Q4 2024 |
| 31+ Days Delinquent (Federal) | 29.5% | $210 billion | +132% from Dec 2019 |
| Current Federal Default Rate | 7.0% | $117 billion | Stable since 2020 |
| Number of Defaulted Borrowers | 5.3 million | $117 billion | No new defaults since 3/2020 |
| Private Loan Default Rate (90+ Days) | 1.6% | $2.3 billion | Unchanged from 2024 |
| Borrowers Behind on Payments | 20% | $327 billion | +25% from 2023 |
| Current on Payments (Active Repayment) | 65% | $390 billion | -5% from pre-pandemic |
Data Source: Federal Student Aid Electronic Announcement (August 2025), Federal Reserve Consumer Credit Report (Q2 2025), LendingTree Private Loan Analysis (Q1 2025)
The student loan delinquency and default landscape in the US for 2025 has deteriorated significantly following the end of pandemic payment protections. According to Federal Reserve data, the overall 90-day delinquency rate across all student loans reached 10.16% in the second quarter of 2025, representing a dramatic 841% spike from just 0.87% in the fourth quarter of 2024. This unprecedented surge reflects the resumption of normal collections processes and the expiration of the on-ramp protection period that had shielded struggling borrowers from the consequences of missed payments throughout most of 2024. The Federal Student Aid Data Center reports that among borrowers with loans in active repayment, the 31-day delinquency rate stands at 29.5% by total dollar balance, more than double the 12.7% rate recorded in December 2019 before the pandemic began.
The current federal default rate of 7% encompasses approximately 5.3 million borrowers holding nearly $117 billion in outstanding obligations. However, the August 2025 Department of Education announcement emphasizes that no new borrowers have entered default status since March 2020 when pandemic payment suspensions took effect, meaning the existing default population consists entirely of pre-pandemic defaulters. As collection activities have fully resumed and the on-ramp period concluded in October 2024, the Department expects default rates to climb substantially in coming months as delinquent borrowers cross the 270-day threshold. Demographic analysis reveals that lower-income borrowers face the greatest repayment challenges, with 27% of those earning under $25,000 annually reporting being behind on payments, compared to just 10% of borrowers in households earning $100,000 or more.
Student Loan Forgiveness and Discharge Programs in the US 2025
| Forgiveness Program | Total Amount Forgiven | Number of Recipients | Average Forgiveness |
|---|---|---|---|
| Public Service Loan Forgiveness (PSLF) | $46.8 billion | 1,155,400 borrowers | $74,000 per borrower |
| PSLF Eligible with Approved Forms | Pending | 2,563,400 borrowers | In process |
| Teacher Loan Forgiveness | $197.3 million | 10,100 teachers | $19,535 per teacher |
| Total Disability Discharge | $11.7 billion | 418,000 borrowers | $28,000 per borrower |
| Borrower Defense Discharge | $14.5 billion | 264,000 borrowers | $54,924 per borrower |
| Closed School Discharge | $6.2 billion | 135,000 borrowers | $45,926 per borrower |
| Death Discharge | $5.1 billion | 107,000 estates | $47,664 per case |
Data Source: Federal Student Aid PSLF Data Report (July 2025), U.S. Department of Education Forgiveness Programs Summary
The landscape of student loan forgiveness programs in the US for 2025 has evolved significantly, with the Public Service Loan Forgiveness (PSLF) program emerging as the most substantial source of debt cancellation. According to Federal Student Aid data through July 2025, the program has granted forgiveness to 1,155,400 unique borrowers, canceling a cumulative $46.8 billion in federal student loans at an average of $74,000 per recipient. This represents a dramatic expansion from June 2023 when only 670,264 borrowers had received PSLF approval. The program serves public sector employees including government workers, teachers, nurses, military members, and nonprofit staff who make 120 qualifying monthly payments while working full-time for eligible employers.
Beyond PSLF, multiple specialized discharge programs provide relief for borrowers facing specific circumstances. The Teacher Loan Forgiveness Program has benefited approximately 10,100 educators, canceling $197.3 million in federal loans for those who teach for five complete consecutive years at low-income schools. The Total and Permanent Disability Discharge program has forgiven $11.7 billion for 418,000 borrowers unable to work due to severe medical conditions. Additionally, $14.5 billion has been discharged through the Borrower Defense to Repayment program for 264,000 individuals defrauded by their schools, while $6.2 billion in Closed School Discharges have assisted 135,000 students whose institutions shut down before they could complete their programs. These targeted forgiveness initiatives collectively represent approximately $84.3 billion in canceled federal student debt through legitimate Department of Education programs as of 2025.
Income-Driven Repayment Plan Enrollment in the US 2025
| Repayment Plan | Number Enrolled | Outstanding Balance | Status in 2025 |
|---|---|---|---|
| SAVE Plan | 7 million | $400 billion | Suspended/In forbearance |
| Income-Based Repayment (IBR) | 3.8 million | $285 billion | Active, accepting new |
| Pay As You Earn (PAYE) | 1.2 million | $92 billion | Phasing out by 7/2028 |
| Income-Contingent Repayment (ICR) | 0.8 million | $61 billion | Phasing out by 7/2028 |
| Standard Repayment | 8.5 million | $520 billion | Active, being modified |
| Graduated Repayment | 2.1 million | $128 billion | Active |
| Extended Repayment | 1.4 million | $86 billion | Active |
Data Source: Federal Student Aid Repayment Plan Report (Q3 2025), National Association of Student Financial Aid Administrators Profile 2025
The income-driven repayment plan enrollment landscape in the US for 2025 has undergone tumultuous changes following legal challenges to the Biden administration’s flagship SAVE Plan. Approximately 7 million borrowers who had enrolled in SAVE remain in administrative forbearance as of December 2025 while litigation over the program’s legality continues in federal courts. According to the August 2025 Federal Student Aid announcement, these borrowers collectively hold roughly $400 billion in outstanding federal loans and face uncertainty about their future repayment obligations since the December 2025 settlement agreement commits the Education Department to transitioning SAVE enrollees into alternative plans, though the timeline and specific plan assignments remain unclear.
Following SAVE’s suspension, the Income-Based Repayment (IBR) plan has emerged as the primary alternative for borrowers seeking income-dependent payment calculations. The Department of Education removed the partial financial hardship requirement for IBR enrollment in summer 2025, theoretically making the plan accessible to all borrowers regardless of income level. Current IBR enrollment encompasses approximately 3.8 million borrowers holding $285 billion in outstanding balances, though experts note that some borrowers continue experiencing application rejections despite the lifted income restrictions. Meanwhile, both Pay As You Earn (PAYE) and Income-Contingent Repayment (ICR) plans are being phased out under the 2025 budget reconciliation legislation, with existing enrollees maintaining access only until July 1, 2028. Starting in mid-2026, new borrowers will face a dramatically simplified menu of just two federal repayment options: a modified Standard Plan and the new Repayment Assistance Plan (RAP).
Federal Student Loan Interest Rates in the US 2025
| Loan Type | 2024-2025 Rate | 2025-2026 Rate | Historical Context |
|---|---|---|---|
| Direct Subsidized (Undergraduate) | 6.53% | 6.53% | Up from 2.75% in 2020-21 |
| Direct Unsubsidized (Undergraduate) | 6.53% | 6.53% | Up from 2.75% in 2020-21 |
| Direct Unsubsidized (Graduate) | 8.08% | 8.08% | Up from 4.30% in 2020-21 |
| Direct PLUS (Parents) | 9.08% | 9.08% | Up from 5.30% in 2020-21 |
| Direct PLUS (Graduate) | 9.08% | 9.08% | Up from 5.30% in 2020-21 |
| Private Loan Range | 3.00% – 18.00% | 3.00% – 18.00% | Variable, credit-based |
Data Source: U.S. Department of Education Federal Student Aid Interest Rates (2025), Federal Reserve Private Loan Survey
The federal student loan interest rate environment in the US for 2025 reflects the broader trend of rising borrowing costs that have characterized the post-pandemic economic period. Federal student loan interest rates for the 2024-2025 and 2025-2026 academic years remain fixed at 6.53% for undergraduate Direct Loans, 8.08% for graduate Direct Unsubsidized Loans, and 9.08% for PLUS Loans available to parents and graduate students. These rates represent substantial increases from the historic lows seen during the early pandemic period when undergraduate rates bottomed out at 2.75% for the 2020-2021 academic year, graduate rates reached 4.30%, and PLUS loan rates hit 5.30%.
Disclaimer: This research report is compiled from publicly available sources. While reasonable efforts have been made to ensure accuracy, no representation or warranty, express or implied, is given as to the completeness or reliability of the information. We accept no liability for any errors, omissions, losses, or damages of any kind arising from the use of this report.