Gen Z is facing a financial reality check, as credit repair experts warn that pandemic spending, student loan delinquencies and poor money habits have left young Americans vulnerable to a lifetime of higher costs and fewer choices.

"It's not fun, it's not glamorous," New York-based credit expert Micah Smith told Fox News Digital. "We say, if you do what is hard, your life will be easy. If you do what is easy, your life will be hard."

Last week, the inaugural FICO Score Credit Insights Report found that Gen Z borrowers took the biggest credit hit of any age group this year, with their average FICO scores slipping to 676 — well below the national average of 715.

"I really was so disheartened when the information came out that Gen Z, the generation that is coming up, is going to essentia

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