target corp’s stock was downgraded to sector weight from overweight by keybanc capital markets monday amid consumer spending pressures specifically the impact of student loan repayments “while we still believe in the lt longterm margin recovery story we downgrade tgt to sw given increasing consumer headwinds over the next 1218 months” wrote keybanc analyst bradley thomas in a note specifically the resumption of student loan payments represents a “sizeable” headwind for discretionary spending according to thomas