Question of the Day: What’s the average credit score for Gen Z?
In the generational race for the best credit, who has the high score?
Answer: 678
Questions:
- What is a credit score and why is it important?
- What factors might contribute to average credit scores increasing with age?
- How can you build or maintain a good credit score?
Here are the ready-to-go slides for this Question of the Day that you can use in your classroom.
Behind the numbers (Experian):
"Younger generations faced the brunt of the credit score declines in 2025. The average FICO® Score for millennials fell two points in 2025. Generation Z's average credit score fell three points.
As younger generations typically have fewer assets than older consumers, the deterioration in their collective credit scores causes even more strain since they are less likely to have home equity or savings to tap in the event of financial emergency or job loss.
In addition, these two generations are more likely to have student loan debt. In many cases, monthly payments for government-held student debt are set to rise, due to the ending of the SAVE student loan income-based repayment plan program in 2025. The ending of SAVE means interest will again accrue on nearly 8 million SAVE student loan income-based repayment plans. Student loan borrowers will also need to change to a less generous income-based repayment plan with higher monthly payments."
About the Author
Kathryn Dawson
Kathryn (she/her) is excited to join the NGPF team after 9 years of experience in education as a mentor, tutor, and special education teacher. She is a graduate of Cornell University with a degree in policy analysis and management and has a master's degree in education from Brooklyn College. Kathryn is looking forward to bringing her passion for accessibility and educational justice into curriculum design at NGPF. During her free time, Kathryn loves embarking on cooking projects, walking around her Seattle neighborhood with her dog, or lounging in a hammock with a book.
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