The second quarter of this year was thought to be a potential turning point in our recovery, as fewer and fewer people were missing payments. This includes rent payments, mortgage payments, and even student loan payments, though the frequency of missed student loan payments is still alarmingly high at 44.8%. Renters received assistance both from government entities and also from their landlords, and the government provided mortgage assistance as well. However, students with loans haven’t been given much help, and there’s been another recent surge of COVID-19 cases due to the delta variant. Some regions that had previously eliminated mask mandates are now requiring them again. The economy won’t recover until the job market stabilizes, which is made much more difficult by health concerns.