Americans carry $2.56 trln in consumer debt, up 22% since 2000 alone, according to the Federal Reserve Board. The average household’s credit card debt is $8,565, up almost 15% from 2000. ?verage US student emerges from college carrying $20,000 in educational debt. Household debt, including mortgages and credit cards, represents 19% of household assets, compared with 13% in 1980. Share of disposable income that consumers must set aside to service their debt has risen to 14.5% from 11% just 15 years ago. US savings rate, which exceeded 8% of disposable income in 1968, stood at 0.4% at the end of the first quarter of 2008, according to the Bureau of Economic Analysis.