The share of older People with debt has been on the rise in latest a long time, elevating considerations about their monetary safety in retirement. Nevertheless, having debt doesn’t at all times sign monetary fragility, so understanding the distinctions in family debt is essential to figuring out the implications of this development. Utilizing knowledge from the Survey of Client Funds and Well being and Retirement Examine, this examine identifies which older debtors are at excessive threat and low threat of economic hardship, determines whether or not the expansion in borrowing is pushed by high- or low-risk households, and identifies various kinds of high-risk households. The outcomes counsel that greater than half of older debtors are at excessive threat, and this group is driving the expansion in debt holding. 4 subgroups of high-risk debtors stand out, every with completely different traits. Thus, no one-size-fits-all answer exists, so recognizing the varied traits of high-risk debtors is crucial to growing efficient insurance policies to assist them.