In the third quarter, household debt soared by $147 billion, with increases across mortgages, credit cards, and auto loans.

Americans are continuing to pile on debt at record levels — but for many households, those IOUs are completely manageable, according to new data released Wednesday.

US household debt climbed to a fresh high last quarter, with rising incomes leaving many consumers able to manage the burden, but lower-income groups showing signs of financial strain.

Higher debt levels for mortgages, auto loans, credit cards and student loans last quarter drove overall consumer debt to a record of $17.9 trillion.

Americans have trillions in household debt. But an uptick in personal disposable income has left more people able to pay.