Americans are once again spending more on credit, increasing their borrowing by $19.6 billion in May, according to the US Federal Reserve.
It is the biggest increase in borrowing in more than a year and reflects renewed confidence among US consumers.
More debt could help increase consumer spending, which accounts for more than 70% of US economic activity.
The total amount of borrowing reached a record $2.84 trillion, with student loans reaching $1 trillion.
Borrowing in the category that includes credit cards was at its highest level since 2010.
Economists say that is significant as credit card debt is often quickly translated into economic activity.
The figures on borrowing tally with data on consumer confidence which is at a five year high, buoyed by a recovery in the housing market and a stronger jobs market.
Last week, the Department of Labor said the US economy added 195,000 jobs in June.
The rising cost of a higher education in the United States was also evident in the borrowing data.
The student loan debt load exceeded $1 trillion for the first time this year and the average student loan debt soared to $23,300,