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Auto loans have gotten out of control. It turns out that 2025 is the worst year in recorded history for auto loan delinquency, and it's only getting worse for Americans. But does this fall entirely on the shoulders of American consumers? Is this the fault of irresponsible spending, Flex Culture, and financial illiteracy? Or are other factors to blame? For this month's Roman Report, we get to the bottom of what's causing this historic low for auto loan payments, and how Americans who are struggling to pay might be able to find relief.