The issue is the trend of many of the categories you listed. Your student loan assumptions are proving to be incorrect and your stats for cars appear to be fro

The issue is the trend of many of the categories you listed. Your student loan assumptions are proving to be incorrect and your stats for cars appear to be from previous decades. >Consumers are stretching out auto loans farther than ever to a new record of 68 months. The longer the term, the lower the monthly payment. In the first quarter, almost a third of all auto loans came with repayment terms of 73-84 months, which was the most popular term among new vehicle buyers. http://www.cnbc.com/2016/06/02/us-borrowers-are-paying-more-and-for-longer-on-their-auto-loans.html http://www.cnbc.com/2016/06/02/us-borrowers-are-paying-more-...