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Figure 1: Parental Co-residence Among Young Adults Grew Markedly From 2005 to 2014

Source: Dettling and Hsu (2014)

Note: Great Recession spans from 2007:Q4 to 2009:Q3.

Date	Smoothed Co-residence	Quarterly Co-residence
2000:Q1	0.32	0.32
2000:Q2	0.32	0.32
2000:Q3	0.32	0.31
2000:Q4	0.32	0.31
2001:Q1	0.32	0.31
2001:Q2	0.32	0.32
2001:Q3	0.32	0.32
2001:Q4	0.32	0.32
2002:Q1	0.32	0.32
2002:Q2	0.32	0.32
2002:Q3	0.32	0.31
2002:Q4	0.32	0.31
2003:Q1	0.32	0.32
2003:Q2	0.32	0.32
2003:Q3	0.32	0.30
2003:Q4	0.32	0.31
2004:Q1	0.32	0.32
2004:Q2	0.31	0.32
2004:Q3	0.31	0.31
2004:Q4	0.31	0.31
2005:Q1	0.31	0.31
2005:Q2	0.31	0.32
2005:Q3	0.31	0.31
2005:Q4	0.31	0.31
2006:Q1	0.31	0.32
2006:Q2	0.31	0.32
2006:Q3	0.31	0.30
2006:Q4	0.32	0.31
2007:Q1	0.32	0.32
2007:Q2	0.32	0.32
2007:Q3	0.32	0.31
2007:Q4	0.32	0.32
2008:Q1	0.32	0.33
2008:Q2	0.33	0.33
2008:Q3	0.33	0.31
2008:Q4	0.33	0.33
2009:Q1	0.33	0.34
2009:Q2	0.33	0.35
2009:Q3	0.33	0.32
2009:Q4	0.34	0.33
2010:Q1	0.34	0.34
2010:Q2	0.34	0.35
2010:Q3	0.34	0.33
2010:Q4	0.35	0.34
2011:Q1	0.35	0.35
2011:Q2	0.35	0.36
2011:Q3	0.35	0.35
2011:Q4	0.36	0.36
2012:Q1	0.36	0.36
2012:Q2	0.36	0.37
2012:Q3	0.36	0.36
2012:Q4	0.36	0.35
2013:Q1	0.36	0.36
2013:Q2	0.36	0.37
2013:Q3	0.36	0.36
2013:Q4	0.36	0.36
2014:Q1	0.36	0.36

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Figure 2(a): Credit Risk Typically Rises Before Moves into Parental Co-residence, but not Before Other Types of Moves; Mean Credit Risk Score Before and After Moves into Parental Coresidence

Source: Dettling and Hsu (2014)

Quarters From Move	Mean Adjusted Risk Score (before move)	Mean Adjusted Risk Score (after move)
-8	630.98
-7	629.42
-6	629.54
-5	629.59
-4	629.67
-3	629.31
-2	628.60
-1	627.86
-0.33	626.03
-0.33		622.52
1		619.69
2		618.95
3		619.03
4		619.60
5		619.36
6		619.34
7		619.28
8		620.00

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Figure 2(b): Credit Risk Typically Rises Before Moves into Parental Co-residence, but not Before Other Types of Moves; Mean Credit Risk Score Before and After Other Types of Moves

Source: Dettling and Hsu (2014)

Quarters From Move	Mean Adjusted Risk Score (before move)	Mean Adjusted Risk Score (after move)
-8	627.10
-7	626.69
-6	627.53
-5	628.66
-4	630.11
-3	630.84
-2	631.59
-1	631.88
-0.33	630.24
-0.33		629.30
1		626.82
2		626.34
3		626.88
4		628.24
5		627.68
6		628.25
7		629.08
8		629.85

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Figure 3: Effects of Declining Credit Scores and Larger Student Loans on Parental Co-residence Are Larger for Borrowers Facing Higher Costs of Credit (Coefficient Estimates)

Source: Dettling and Hsu (2014)

Effect of 10% decline in credit scores for prime borrowers	-0.00007
Effect of 10% decline in credit scores for subprime borrowers	0.00007
Effect of $10,000 increase in student loans for prime borrowers	0.00037
Effect of $10,000 increase in student loans for subprime borrowers	0.00065

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Figure 4: Debt-Holding at Age 22 Rose from 2005 to 2014, Mostly Due to a Rise in Student Loan Debt

Source: Dettling and Hsu (2014)

Mean Loan Balances ($1,000s)

Year	Student Loans	Auto Loans	Credit Cards
2005	0.47	0.25	0.11
2006	0.53	0.25	0.11
2007	0.55	0.25	0.11
2008	0.62	0.23	0.11
2009	0.67	0.18	0.09
2010	0.75	0.15	0.07
2011	0.83	0.14	0.05
2012	0.92	0.16	0.04
2013	1.15	0.18	0.05
2014	1.32	0.18	0.04

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