Delinquency means that you are behind on payments.遲繳貸款 Once you are delinquent for a certain period of time (usually nine months for federal loans), your lender will declare the loan to be in default.遲繳9個月, 債主認列呆帳default The entire loan balance will become due at that time.
https://www.investopedia.com/ask/answers/062315/what-are-differences-between-delinquency-and-default.asp
https://www.investopedia.com/historical-us-credit-card-delinquency-rates-5120737
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