{"id":24918,"date":"2026-06-23T19:00:00","date_gmt":"2026-06-23T17:00:00","guid":{"rendered":"http:\/\/stocks-future.com\/?guid=73341b57c4f6d191fbed739fce98979b"},"modified":"2026-06-23T19:00:00","modified_gmt":"2026-06-23T17:00:00","slug":"securian-financial-study-finds-many-americans-living-on-the-financial-edge-as-economic-pressures-push-borrowers-into-financial-defense-mode","status":"publish","type":"post","link":"https:\/\/stocks-future.com\/?p=24918","title":{"rendered":"Securian Financial Study Finds Many Americans Living on the Financial Edge as Economic Pressures Push Borrowers Into \u201cFinancial Defense\u201d Mode"},"content":{"rendered":"

\nThird annual lending study reveals half of borrowers could sustain loan payments for just three months or less after income loss, while trust gaps continue to challenge lender relationships<\/i><\/p><\/a><\/a>

ST. PAUL, Minn.--(BUSINESS WIRE)--Rising costs, persistent economic uncertainty and growing concerns about financial resilience are causing Americans to shift from pursuing financial goals to protecting what they have, according to findings from Securian Financial\u2019s third annual lending environment study<\/a>.<\/p>

\nThe study, which surveyed more than 1,000 current and prospective borrowers nationwide, found that many Americans are financially vulnerable and unprepared for an unexpected disruption to their income. Among borrowers with active loans, 50% said they could continue making loan payments for just three months or less if they suddenly lost their income. Nearly one in five (19%) said they would struggle to make payments in less than one month after losing their income.<\/p>

\nThe findings come as broader indicators point to increasing financial strain among U.S. households. In February, Reuters reported that New York Federal Reserve data showed household credit troubles worsened at the end of 2025, with rising delinquencies across several forms of consumer debt, underscoring ongoing financial pressures facing many Americans.1<\/sup><\/p>

\n\u201cConsumers today are navigating an environment marked by higher living costs, uncertainty about future income and growing concerns about their financial security,\u201d said Alexia Johnson, Securian Financial partner development leader for Affinity Solutions-U.S. \u201cWhat we\u2019re seeing is a shift from financial offense to financial defense. Borrowers are focused less on getting ahead and more on protecting themselves from setbacks that could quickly derail their finances. That creates both a challenge and an opportunity for financial institutions to strengthen trust and provide meaningful support.\u201d<\/p>

\nFinancial stress remains widespread<\/b><\/p>

\nThe study found that borrowers\u2019 biggest financial concerns are centered on everyday affordability and financial shocks:<\/p>