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Trapped by Tuition: The New Reality of Renting

Gated

As federal student loan payments have resumed, renters who must now pay back those debts are facing renewed financial pressure — and for many, it’s showing up in their credit profiles. TransUnion’s Q3 2025 Student Loan Repayment Study reveals a sharp rise in delinquencies and dramatic drop in credit scores — with one in three borrowers now 90+ days past due.

Our eBook — Trapped by Tuition: The New Reality of Renting — explores how these changes are affecting renter screening and leasing workflows, and why traditional credit models may no longer be enough. In it, you’ll learn how multifamily operators can adapt with predictive scoring, automated decisioning and fraud detection tools built for today’s rental realities.

Takeaways

  • Why some prime renters are slipping into riskier credit tiers
  • How student loan stress is driving fraud and leasing delays
  • What screening models reveal beyond the credit score
  • How screening automation can help you stay compliant and competitive

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