Consumer debt to disposable income is low vs. average. It may trend up but my take is that bigger thing at play here is historically low unemployment. Good news, in other words.
I guessing we'll probably see a change on the next update, and then a bigger change in the next update after that, since student loans got unpaused at the tail end of Q3 2023.
It has been at persistently low levels for seven years years now (obviously the pandemic punched a temporary hole in employment, however the US recovered relatively quickly vs its peers). It's structural, we have a labor shortage relative to the hyper scale of the US economy overall (including its aging demographics as a supply problem). The only thing that will severely dent that context is a bad recession, a big crisis like the great recession.