Borrowers are paying down their card and loan debts. The big exception is student loans, according to new data published by Equifax.

Bank card delinquencies dropped 21% in July from the same period a year earlier, the credit bureau reported on Thursday as part of its monthly National Consumer Credit Trends report.

Auto-loan delinquency rates for payments at least 60 days overdue fell 35% in the same period, and first mortgage delinquency rates for 30 days or more fell 15%. Home equity revolving 30-day plus delinquencies fell 7%, the company added.

“Consumers continue to improve their credit management, through higher monthly payments on card accounts, refinancing of existing mortgage debt at lower rates, and lower delinquency rates pretty much across the board," said Equifax Chief Economist Amy Crews Cutts in a press release.

“Growth in total credit is consistent with the overall improvement in the economy – slow, but steady – with the exception of mortgage debt which is declining overall,” she added.

But at the same time, student loan 60-day delinquency rates grew 14% in July from the prior year, and student loan write-offs rose 29% in July from just a month earlier. The total number of student loans rose nearly 24%, to 116 million, in July from a year earlier, according to Equifax.

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