American living standards are on the line in the debt ceiling drama | CNN Business

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Congress has increased the debt limit 78 times since 1960 - 49 times under Republican presidents and 29 under Democrats

First, let’s look at how we got here. Over the last decade, Congress has authorized trillions of dollars in spending, tripling the national debt since 2009. The Treasury Department borrows money to make payments on that debt. Because there is a congressionally mandated debt limit, lawmakers routinely bump into the ceiling on what can be borrowed, and must raise it. Under former President Donald Trump, Congress suspended the debt ceiling three times.

Center-left think tank Third Way calculates three million jobs lost, a crippling spike in interest rates and an extra $130,000 on a typical home loan. Moody’s estimates that even a brief breach of the debt limit would kill almost a million jobs. In a speech Tuesday, Yellen said “a default on our debt would produce an economic and financial catastrophe,” and noted that over the longer term, a default would “raise the cost of borrowing into perpetuity.

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