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Young Adults’ Use of Debt and Credit During the COVID-19 Pandemic Data Tables

This data catalog entry contains the data tables for the “Young Adults’ Use of Debt and Credit during the COVID-19 Pandemic” project, last updated in January 2024.

These data tables contain information derived from a random sample of deidentified, consumer-level records from a major credit bureau. The credit bureau data are from August 2016 to August 2023 and contain more than 5 million records. From February 2020 to February 2021, data on consumers’ credit records are linked to information on alternative financial service (AFS) loans from a Fair Credit Reporting Act-regulated agency whose unique data are derived from various financial service providers. AFS providers include online small-dollar lenders; online installment lenders; storefront small-dollar lenders; and single payment, line of credit, auto title, and rent-to-own lenders. We also incorporate estimates from summary tables of the US Census Bureau’s American Community Survey (ACS) at the Zip Code Tabulation Area level from 2015 to 2019.

These data tables represent summary statistics and regression-adjusted estimates of young adults’ use of debt and credit during the pandemic. Estimates that reflect fewer than 50 consumers are suppressed and are not presented.

All data definitions and details are provided in the source and table notes of each data table. When using these tables, please use the citation listed below.

A brief summary of methodology in producing the estimates in these data tables is provided in the technical appendix below.

These fields are compatible with DCAT, an RDF vocabulary designed to facilitate interoperability between data catalogs published on the Web.
Release Date
Kassandra Martinchek
Contact Name
Urban Institute
Data Dictionary Type
Contact Email
Public Access Level
These fields are specific to Urban Institute.
Original Data Source
Data Quality or Limitations

See technical appendix.

Citation Requirements

Kassandra Martinchek. 2024. Young Adults’ Use of Debt and Credit During the COVID-19 Pandemic Data Tables. Accessible from Data originally sourced from credit bureau data, developed at the Urban Institute, and made available under the ODC-BY 1.0 Attribution License.