Yes, the US public debt is temporarily frozen at the statutory debt limit (with the exception of fiscal shenanigan with public debt held by investors versus intragovernmental lending). You can see the rapid expansion of household debt between 2000 and 2007 compared with after 2007.
But it was the Federal government that greatly expanded debt after 2007, not households.
The Year-over-year increase in Public debt can be seen spiking in 2009 then slowing while consumer debt bottomed out in 2009 but has been growing ever since such the the YoY growth rate in Public debt and consumer debt are about the same (3% YoY for Public debt and 3.44% YoY for household debt).
Despite the staggering monetary stimulus from The Federal Reserve (created in 1913 by The Federal Reserve Act and signed into law by President Woodrow Wilson), household debt has bee relatively slow to grow compared to previous decades while Public debt has benefitted by The Fed’s monetary rate repression.
And the monetary effect seems to have stalled for commercial and industrial lending (2.6% YoY) and real estate lending (4.64% YoY).
Janet Yellen looks like a Keynesian Krusader in this photo.