 But lenders don't seem too worried. Mike Schenck at America's Credit Unions says most consumers can cover their mounting debts. Incomes are rising fairly quickly. But I think from a personal financial wellness perspective, many consumers have experienced a decidedly hard landing. And I think many more will. Schenck predicts unemployment will continue to increase this year, making it harder for cash-strapped consumers to keep up. I'm Mitchell Hartman for Marketplace.