Americans are in deeper debt these days.

FOX's Dave Anthony reports:

We've collectively been borrowing more lately, putting us in a lot of debt. American households owed in total, $12.73 trillion in the first three months of this year, according to the Federal Reserve Bank of New York. That's a record high, surpassing a 2008 peak when the U.S. was in recession.

Mortgages are still the biggest chunk of that debt, but student and auto loans now make up a bigger percentage than then.

The Fed also reports nearly five percent of that outstanding debt is delinquent, people late making payments.

Dave Anthony, FOX News.