Complex sentence: Default rates at Lending Club in the US have remained stable at about 4%, consequently lending rates in the US are already starting to go down as many investors realize that the risk of unsecured consumer debt is lower than they originally perceived.
Split into simpler sentences: Default rates at Lending Club in the US have remained stable at about 4%. Lending rates in the US are already starting to go down as many investors realize that the risk of unsecured consumer debt is lower than they originally perceived.