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      "text": "Notes:\n1. US loans only, excludes Pay in 4 (formerly known as Split Pay) loan transactions with 0% APR and 6-8 week term lengths and loans made for Peloton purchases\n2. Metrics are unaudited",
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      "text": "30+ Days Delinquent: FY 2018 (4.0%, 3.8%, 3.2%, 2.9%), FY 2019 (3.3%, 3.2%, 2.7%, 2.6%), FY 2020 (3.2%, 2.9%, 2.8%, 1.8%), FY 2021 (1.4%, 1.3%, 1.2%, 1.3%), FY 2022 (2.1%, 2.1%, 2.7%, 2.5%), FY 2023 (3.2%, 2.7%, 2.5%)\n60+ Days Delinquent: FY 2018 (2.3%, 2.2%, 1.8%, 1.6%), FY 2019 (1.9%, 1.8%, 1.6%, 1.5%), FY 2020 (1.8%, 1.7%, 1.6%, 1.3%), FY 2021 (0.8%, 0.7%, 0.7%, 0.7%), FY 2022 (1.2%, 1.2%, 1.6%, 1.4%), FY 2023 (1.9%, 1.6%, 1.5%)\n90+ Days Delinquent: FY 2018 (1.1%, 1.0%, 0.9%, 0.7%), FY 2019 (0.9%, 0.9%, 0.7%, 0.6%), FY 2020 (0.8%, 0.8%, 0.7%, 0.6%), FY 2021 (0.4%, 0.3%, 0.3%, 0.3%), FY 2022 (0.6%, 0.6%, 0.6%, 0.6%), FY 2023 (0.9%, 0.8%, 0.7%)",
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