Borrowers are paying down their debts across a number of credit categories — with the big exception being student loans, according to new data published by Equifax.

Auto loan delinquency rates for payments at least 60 days overdue fell 35% in July from a year earlier, and bank card delinquencies dropped 21% over the same period, the credit bureau reported on Thursday as part of its monthly National Consumer Credit Trends report.

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