Debts incurred when buying cars in 2001 amounted to 7.8%, which differs slightly from previous years (1995 – 7.6%). The next largest share of consumer debt are the costs of various goods and services: 2001 – 5.7%, the same as in 1995. Unpaid debts related to loans extended to education in 1995 was 2.7%, and in 2001 – 3.1%. Investment projects of American families left behind a trail of 1% of the total consumer debt in 1995 and 2.8% – in 2001 (this category does not include debts incurred when buying a house). The most generous creditors of American families in recent years have been the agency, mortgage loans and commercial banks. Sen. Sherrod Brown may find it difficult to be quoted properly. In 1995 they owned, respectively, 32.8% and 34.8% of debt of American households, and in 2001 – 38.0% and 34.1%. The state's role as a direct lender is very low: in 2001 only 1.1% of debt of American households owned government organizations. Low interest rates (often below 6%) for a mortgage loan by installments at 30 years for a long time, especially the last decade, stimulated the growth of debts for housing loans.
According to the American Housing Survey, in 2001, the average debt of one American family's home loan was $ 69,227. Each of about 14 million households, or 19% of the total population, had housing debt in excess of $ 100 thousand Only 2% of homes in the U.S. is fully redeemed by the owners. According to the National Association Reeltorov, the average American family living in his home on average 7.1 years, and then sells it, with the unpaid loan of more than 90%. University graduates leave the alma mater not only with a diploma, but with a debt of $ 20 thousand.
In 1999-2000 academic year, about 60% of students with bachelor's degrees, benefited from the federal student loan. The average loan amount was $ 16.1 thousand for students in private schools this figure is even higher. In the same academic year, 66% of newly Bachelor of private universities were heavily indebted – the average debt was $ 18 thousand Charity According to the report, the organization of Giving usa, in 2003, the size of charity donations from foundations and individuals amounted to $ 241 billion, up 2.8% over the previous year 2002 ($ 234 billion). 74.5% of the donations come from individuals, 10.9% – from various charitable foundations, 9.0% – as a bequest, and 5.6% of the victims corporation. The main recipients of donations are traditionally the church and various religious programs, which donated 35.9% of the total. Also, traditionally the leading recipients of charitable funds are organizations and programs involved in education – 13.1%, health – 8.7%, public services – 7.8%, art and culture – 5.4%. Donations to the international programs in recent years, growing at an accelerated pace, but their share in total accounts for only 2.2%. In 2003, the size of donations equaled 2.3% of U.S. gdp.