The Lifecycle of Debt and Credit Scores

April 5, 2013

Here at the Credit Karma Blog we’ve talked before about the average national credit score and average debt load. We’ve taken a look at potential credit score rivalries and how different credit score ranges compare when it comes to debt, on-time payments and number of accounts.

A while back, we took a deeper dive into the correlation between age, credit scores and different types of debt. We used our findings to create this infographic. Click to see an enlarged view and scroll down to read the highlights.


Young borrowers have fewer lines of credit and a shorter credit history, which means less factors on which to base their creditworthiness.

Debt increases significantly in the 30s and 40s as consumers take on the largest debt of their lives: home loans.

Credit scores increase steadily as consumers responsibly manage their debt by paying down their debt.

Student loan debt remains a constant in the lives of most adult consumers.

As consumer credit history lengthens, credit scores typically increase.

Bethy Hardeman is the Communications Manager at Credit Karma, where she’s been since February 2011. When she’s not writing about credit and finance all over the web, you can find her playing her guitar, catching the latest movie, training for her next race or just exploring the city of San Francisco.