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U.S. Debt Tops $39 Trillion as Treasury Plans About $2 Trillion in Borrowing

Higher entitlement costs, weaker revenues, surging interest payments are forcing record issuance that could lift borrowing costs for households and the government.

Overview

  • The national debt reached roughly $39 trillion in mid‑May 2026, growing by more than $1 trillion since late October 2025 and now exceeding the size of the U.S. economy.
  • The Treasury and market participants project a fiscal‑year 2026 budget shortfall of about $2 trillion and plan to issue just over $2 trillion in new debt to fund it.
  • Mandatory programs such as Social Security, Medicare, and Medicaid are driving spending higher while revenue growth has slowed and interest costs on the debt are rising toward $1 trillion a year.
  • Investors still treat U.S. Treasuries as a safe asset for now, but banks and fiscal watchdogs warn that sustained heavy issuance could push yields up and force policy trade‑offs in Washington.
  • Historically, public debt above 100% of GDP last occurred after World War II, and analysts say the current trend raises long‑term risks for public services, household borrowing costs, and global market confidence.