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The Quiet Recession: Student Loan Garnishment Kicks Off in October.
The Return of Student-Loan Garnishment and its Impact on Consumers, Auto and the Banks.
16 hrs ago
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Unicus Research
4
Transcript Of Powell's Speech
September 23, 2024
Sep 24
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Unicus Research
2
Corporate Defaults Season and Powell's Arthur Burns Moment
Why Rising Corporate Failures in 2H25 Will Hit Households and Balance Sheets
Sep 24
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Unicus Research
1
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The Macro Week: GDP, Jobless Claims, and PCE Dominate the Week.
Sticky Services, Soft Growth: What to Watch This Week (Sept 22–26)
Sep 22
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Unicus Research
3
CVNA 2022-P3: Timeline of P&L Impact
From OC depletion and cash traps to negative fair-value marks, how monthly trust stress rolls into quarterly earnings — and when.
Sep 21
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Unicus Research
3
The Student-Loan FICO Hangover
Recent delinquencies slash scores by triple digits for many, push borrowers below 620, trigger collections and garnishment, and remove ~$8.3B of Q4…
Sep 19
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Unicus Research
3
CVNA 2022-P2: Prime Scores, Subprime Economics
116% avg LTV, 71-mo terms; losses up, 60+ at 2.92%; sequential pay + OC build leave little for residuals.
Sep 16
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Unicus Research
5
Under the Hood of CVNA 2022-P1: Rising Charge-Offs and Reposessions
Prime is in trouble. High LTV ~116%. Mods up to 217/month; repos ~40–50/month
Sep 13
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Unicus Research
2
1
Under the Hood of CVNA 2024-P4: Rising Charge-Offs and Repos.
Pandemic Relief Inflated Consumer Scores; The Hangover Is in ABS
Sep 11
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Unicus Research
6
Under the Hood of CVNA 2024-P3: Loss Velocity Ramps
More charge-offs, more repos, less room for residuals.
Sep 9
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Unicus Research
3
4
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