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18% of California student loans are delinquent

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18% of California student loans are delinquent


Despite the financial stress of Golden State life, Californians are relatively good at paying bills compared with the rest of the nation.

Take student loans. In the first quarter of 2025, 18% of California student loans were late.

That may seem like a stunningly high rate of skipped payments, but it’s the 10th lowest delinquency rate among the states and the District of Columbia. And across the nation, 23% of student loans were delinquent.

That’s what was found by my trusty spreadsheet’s review of bill-payment data from the Federal Reserve Bank of New York. The research, from 2003 to the first quarter of 2025, examines debt levels and payments drawn from individuals with credit histories.

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The latest report was the first since student-loan repayment reprieves ended. That means late payments on many educational loans were once again being reported to credit bureaus. This provides a window into the scope of this education-linked financial challenge.

Student loans are roughly 5% of all California debts. These borrowings equal $4,660 per capita of the $87,620 total consumer borrowings statewide.

Nationally, it’s a bigger hurdle: student loans run $5,470 per capita – or 9% of Americans’ $62,490 per capita debts.

The ability to pay varies wildly. Mississippi was the worst at student-loan repayment, with 45% of these debts in arrears, followed by Alabama, Wisconsin, Kentucky, and Oklahoma, all at 34%.

The best at making payments lived in Illinois and Massachusetts, with 14% delinquency, followed by Connecticut, Virginia and New Hampshire were next at 15%.

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To start 2025, only 1.9% of all California consumer debts were 90 days or more past due.

Yes, skipped bills increased from 1.6% at year-end 2024.  And it’s California’s highest level of tardy bills since the second quarter of 2020, when coronavirus lockdowns severely impacted the economy.

However, this level of delinquency is significantly lower than the 3.6% average lateness since 2003.

Nationally, 2.9% of bills were late in the first quarter, up from 1.9% at year’s end. Like California, the rate is still historically low. American tardiness has averaged 3.8% during the last 22 years.

California’s economy also has its challenges. Job creation has slowed to a crawl. The state remains unaffordable for the masses. The Trump administration’s “America First” thinking collides with California’s globally oriented business climate. Consumer confidence is also down.

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That monetary angst can be found in the slowdown in Californians taking on new debts.

In the first quarter, total borrowings increased at an annual rate of only 0.8%. That’s well below the 3.3% growth pace since 2003.

It’s a similar picture across the nation. Borrowings are up 1% in a year vs. a 3.3% average growth.

Home sweet home

The New York Fed tells us Californians are getting better with home loans, which are 81% of all consumer debts statewide.

Just 0.56% of mortgage balances were 90 days or more late to start 2025. That’s down from 0.58% at year’s end. Although we’ll note that the late mortgage level in the fourth quarter of 2024 was the highest since the second quarter of 2020.

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And lateness is historically low – below the average 2.8% late home loans since 2003.

Equally noteworthy is that California’s improvement rate comes as more Americans fail to make timely payments on mortgages, which are 70% of all U.S. consumer debts.

In the first quarter, 0.9% of U.S. home loans were late – the worst payment pace in five years. That’s up from 0.6% at year’s end, but this is still comfortably below the 2.6% historical norm.

There is a rising level of deeply troubled homeowners.

California had 15 new foreclosures per 1,000 consumers in the first quarter. That’s the highest since the first quarter of 2020 and up from 12 at year’s end. But to be fair, it’s also nowhere near the 88 per 1,000 average since 2003.

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Same story nationally with 21 U.S. foreclosure starts per 1,000 consumers – up from 14 at year’s end but off the 70 historic pace.

Jonathan Lansner is the business columnist for the Southern California News Group. He can be reached at jlansner@scng.com



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All lanes reopen on 5 Freeway in Oceanside after officer-involved shooting forces closure

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All lanes reopen on 5 Freeway in Oceanside after officer-involved shooting forces closure


OCEANSIDE, Calif. (KABC) — Hours after an officer-involved shooting prompted the full closure of the 5 Freeway in Oceanside, all lanes were reopened Saturday afternoon as the investigation continues.

“The 5 is closed in both directions between Oceanside and the Orange County border while police investigate a shooting,” Caltrans said in a social media post at 9:39 a.m., adding that drivers should use the 15 Freeway as an alternative route.

The Buena Park Police Department said its officers attempted to pull over a car for vehicle code violations just before 1 p.m. in the area of La Palma Avenue and San Marino Drive, but the car failed to stop and a pursuit ensued.

“At 1:05 a.m. we asked CHP to take over the pursuit. They did but requested our K-9 unit stay in the pursuit,” Buena Park police said in a statement.

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Police said that at 2:10 a.m., the suspect vehicle was brought to a stop and then an officer-involved shooting occurred. It was not immediately known what led to the shooting.

A SigAlert was issued shortly after 2:30 a.m. between Harbor Drive in Oceanside and Christianitos Road in San Clemente, according to the California Highway Patrol.

As several lanes were reopened hours later, the Highway Patrol urged motorists to continue to use caution and watch for personnel in the area.

The investigation is ongoing.


Copyright © 2025 KABC Television, LLC. All rights reserved.

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Chris Bell scores 21, sparks California to 91-67 victory over Sacramento State

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Chris Bell scores 21, sparks California to 91-67 victory over Sacramento State


BERKELEY, Calif. — – Chris Bell scored 17 of his 21 points in the first half and California cruised to a 91-67 victory over Sacramento State on Friday night in a campus game of the Empire Classic.

Bell and Justin Pippen combined for 29 points to help California take a 47-33 lead into the break. Bell sank 6 of 8 shots with three 3-pointers in the first 20 minutes.

John Camden’s 3-pointer capped an 11-2 run to begin the second half and the Golden Bears (5-1) were never threatened. Cal took its biggest lead at 81-47 on a 3-pointer by Camden with nine minutes left to play.

Pippen finished with 16 points and five assists. Dai Dai Ames also scored 16 and Camden totaled 14 points, five rebounds and five assists.

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Brandon Gardner hit 4 of 5 from 3-point range and scored 19 to lead the Hornets (3-4). Mark Lavrenov had 14 points and Prophet Johnson notched his fifth double-double of the young season with 12 points and 11 rebounds.

The Golden Bears shot 50.8% overall and made 15 of 38 from beyond the arc (39.5%).

Sac State made only 18 of 67 shots (26.9%) overall, including 7 of 24 from distance. The Hornets made 24 of 30 free throws, while Cal sank 10 of 19.

—— Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here and here (AP News mobile app). AP college basketball: https://apnews.com/hub/ap-top-25-college-basketball-poll and https://apnews.com/hub/college-basketballbr/]

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‘Toxic’: California ex-police chief tells of colleagues’ racist harassment campaign

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‘Toxic’: California ex-police chief tells of colleagues’ racist harassment campaign


The embattled former police chief of Vallejo, a San Francisco Bay Area city that has attracted national attention over police violence, has said that he endured a steady procession of racist remarks from colleagues and online harassment and threats that ultimately led him to resign.

By the time Chief Shawny Williams tendered his resignation in 2022, he said he had received a slew of threats – at his office, at his home, and in his email inbox. Most demanded he step down. But even after resigning, the threats still came by mail to his home and a second property he owned outside the state.

“They were hostile, toxic,” Williams testified in a deposition on Wednesday. “I had safety concerns.”

Williams made the statements as part of a federal civil rights lawsuit against the Vallejo police department brought by Deyana Jenkins, whom officers pulled from a car and tased during a traffic stop in 2019. The incident occurred months after six Vallejo police officers shot her uncle, Willie McCoy, a 20-year-old rapper, 55 times while he was asleep in his car. The killing attracted widespread attention and thrust a spotlight on the department’s use of force.

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The deposition, first reported by the Vallejo Sun, offers a window into what Williams describes as a pattern of hostile, threatening and retaliatory behavior that ended his brief attempt to impose accountability on a department known nationally for unchecked violence and resistance to reform.

Vallejo police officers have repeatedly drawn concern over their practices, perhaps most notoriously for the ritual of “badge bending”, in which officers reportedly fold back a tip on their badges after killing someone on duty.

Williams took over the department in 2019 with a mandate to reform it. His three-year stint coincided with a national reckoning over police violence, sparked by nationwide protests over the 2020 murder of George Floyd at the hands of Minneapolis police officer Derek Chauvin.

But Williams said he experienced harsh backlash for his efforts to impose accountability on the department’s use of force.

“He was our first Black police chief in a department that’s always been known as a racist police department,” Melissa Nold, the lawyer representing Jenkins in the federal case, told the Guardian. “To hear that he was run off because he was doing reform and discipline – that’s very concerning. It doesn’t seem like it should be possible that the people being reformed have that much power.”

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In his deposition, Williams said a colleague made several disturbing statements, including: “This Black Jesus can’t save us.”

He described “racial hostilities or comments” made to him by a former police captain. Williams also said the city attorney threatened him, but did not describe how.

The Vallejo police department did not immediately respond to a Guardian request for comment.

Williams also received several anonymous threats, through the post and online. Three weeks before resigning in October of 2022, he received a “Halloween card threat” that said “quit today” and emitted a deafening screech that “filled the hallway” and kept blaring until the battery ran out.

A secretary opened the letter. When Williams heard it he “actually thought it was some kind of domestic violence occurring outside the building because it was so loud”.

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Williams also said that he received anonymous threats, after an officer who shot an unarmed 22-year-old in 2020 later rejoined the police department.

Officer Jarrett Tonn shot and killed Sean Monterrosa after an alleged looting incident at a Walgreens during a George Floyd-inspired protest. Williams dismissed Tonn after the shooting.

But an arbitrator reinstated Tonn in 2023, after Williams left the force. Tonn was promoted to sergeant in September of this year, according to the Vallejo Sun. Afterwards, Williams said he received messages that said “some bad things were coming”.

Williams said he asked the department to investigate the threats and raised concerns to city manager Mike Malone. But the city failed to act, and Malone appeared uninterested in helping him, Williams testified.

“One of the things that I guess exacerbated my concerns was [Malone’s] statement that this is not going to stop – or ‘They’re not going to stop until I fire you or you quit,’” Williams said in the deposition. “And he said that over half a dozen times.”

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By “they”, Williams said the city manager was referring to the Vallejo Police Officers’ Association (VPAO), which serves as the bargaining unit for all ranks of police officer except the chief in its negotiations with the city. The VPOA did not immediately respond to a Guardian request for comment.

“My resignation was a result of a pattern of constructive termination hostility,” Williams testified. “There was racial animus, retaliatory things that were happening that just made it unbearable or impossible for me to perform my duties in a safe environment.”



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