Daniel Mangrum
@danielmangrum.com
Economist at NY Fed studying consumer finance, household debt, education, and urban topics.
Occasional NBA and NYC/BK content.
Views are all mine.
www.danielmangrum.com
Occasional NBA and NYC/BK content.
Views are all mine.
www.danielmangrum.com
There is no way this is real… nyt?
November 5, 2025 at 12:40 AM
There is no way this is real… nyt?
Who isn’t excited about two lottery picks in the 2026 draft?
October 21, 2025 at 5:37 PM
Who isn’t excited about two lottery picks in the 2026 draft?
I did this once with a verbal description of my methodology (using a voice memo) in mostly plain language and I was amazed at how well it hashed things out.
September 8, 2025 at 4:14 PM
I did this once with a verbal description of my methodology (using a voice memo) in mostly plain language and I was amazed at how well it hashed things out.
Same. It’s a champ for travel. Flight attendants constantly question whether it will fit in the overhead but it even fits in an E175 overhead bin.
September 2, 2025 at 5:23 PM
Same. It’s a champ for travel. Flight attendants constantly question whether it will fit in the overhead but it even fits in an E175 overhead bin.
We went with my 3 year old in April and only used the tube once (too many elevator transfers) but used the bus constantly. It was fantastic. What is your travel stroller of choice?
September 2, 2025 at 4:42 PM
We went with my 3 year old in April and only used the tube once (too many elevator transfers) but used the bus constantly. It was fantastic. What is your travel stroller of choice?
We did not refer to them by name but they are included in the 20 million borrowers not in repayment. It is unclear when they will be required to make payments, but mechanically they can’t be reported as delinquent until 90 days of missed payments. Earliest that could be is 2026.
August 5, 2025 at 5:23 PM
We did not refer to them by name but they are included in the 20 million borrowers not in repayment. It is unclear when they will be required to make payments, but mechanically they can’t be reported as delinquent until 90 days of missed payments. Earliest that could be is 2026.
Nope. We wrote on this in May (still applicable). They won’t hit until probably early 2026 since they’re still in forbearance.
libertystreeteconomics.newyorkfed.org/2025/05/stud...
libertystreeteconomics.newyorkfed.org/2025/05/stud...
Student Loan Delinquencies Are Back, and Credit Scores Take a Tumble - Liberty Street Economics
With the delinquency rate for student loans surging, the authors take a look at which borrowers are past due and how that affects their access to credit.
libertystreeteconomics.newyorkfed.org
August 5, 2025 at 4:50 PM
Nope. We wrote on this in May (still applicable). They won’t hit until probably early 2026 since they’re still in forbearance.
libertystreeteconomics.newyorkfed.org/2025/05/stud...
libertystreeteconomics.newyorkfed.org/2025/05/stud...
At the bank, we get coffee cups made with the image from the show + the quote. Highly recommend you do the same!
July 1, 2025 at 2:42 AM
At the bank, we get coffee cups made with the image from the show + the quote. Highly recommend you do the same!
What an insane amount of campaigning and mailers (from both) for such a lopsided outcome.
June 25, 2025 at 2:25 AM
What an insane amount of campaigning and mailers (from both) for such a lopsided outcome.
6. Nearly 2 million IDR applications are pending as of the end of April. 80k were processed during April. Also 50k PSLF buyback requests pending.
storage.courtlistener.com/recap/gov.us...
storage.courtlistener.com/recap/gov.us...
May 15, 2025 at 10:02 PM
6. Nearly 2 million IDR applications are pending as of the end of April. 80k were processed during April. Also 50k PSLF buyback requests pending.
storage.courtlistener.com/recap/gov.us...
storage.courtlistener.com/recap/gov.us...
5. (this one is a bit in the weeds) The delinquency rate on the FFEL portfolio (in repayment) held by ED is 50%! For reference, the overall ED portfolio DQ rate is 27%.
studentaid.gov/sites/defaul...
studentaid.gov/sites/defaul...
studentaid.gov
May 15, 2025 at 10:02 PM
5. (this one is a bit in the weeds) The delinquency rate on the FFEL portfolio (in repayment) held by ED is 50%! For reference, the overall ED portfolio DQ rate is 27%.
studentaid.gov/sites/defaul...
studentaid.gov/sites/defaul...
4. 45% of student loan borrowers with a payment due in Mississippi are past due
May 15, 2025 at 10:02 PM
4. 45% of student loan borrowers with a payment due in Mississippi are past due
3. Under 30s are the only group with a student loan delinquency rate below pre-pandemic (conditional on having a payment due).
May 15, 2025 at 10:02 PM
3. Under 30s are the only group with a student loan delinquency rate below pre-pandemic (conditional on having a payment due).
2. More than 2.2 million student loan borrowers who became newly delinquent in the first quarter saw their credit scores drop more than 100 points and more than one million saw drops of at least 150 points.
Student Loan Delinquencies Are Back, and Credit Scores Take a Tumble - Liberty Street Economics
With the delinquency rate for student loans surging, the authors take a look at which borrowers are past due and how that affects their access to credit.
libertystreeteconomics.newyorkfed.org
May 15, 2025 at 10:02 PM
2. More than 2.2 million student loan borrowers who became newly delinquent in the first quarter saw their credit scores drop more than 100 points and more than one million saw drops of at least 150 points.
I’m thinking the same.…
May 4, 2025 at 9:08 PM
I’m thinking the same.…
Mostly unrelated but Careless People was fantastic
May 4, 2025 at 9:04 PM
Mostly unrelated but Careless People was fantastic