In this Wednesday, June 12, 2013 file photo, Jani McAllister browses through a sales rack outside Festivity, a boutique in Virginia Highlands, in Atlanta. The Federal Reserve reports how much ... more 
In this Wednesday, June 12, 2013 file photo, Jani McAllister browses through a sales rack outside Festivity, a boutique in Virginia Highlands, in Atlanta. The Federal Reserve reports how much consumers borrowed in June on Wednesday, Aug. 7, 2013. (AP Photo/Jaime Henry-White) less 
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Associated Press | Photo By Jaime Henry-White
Wed, Aug 7, 2013 3:31 PM EDT