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Indebtedness in early adulthood - Causes and Remedies

Edited book
Authors Jeanette Hauff Carlsson
Tommy Gärling
Ted Lindblom
ISBN 978-3-030-13995-7
Publisher palgrave Macmillan, Springer Nature
Place of publication Cham, Switzerland
Publication year 2019
Published at Department of Business Administration
Department of Psychology
Centre for Finance
Language en
Links https://doi.org/10.1007/978-3-030-1...
Keywords Young adult, Borrowing, Debt, Attitude, Decision
Subject categories Business Administration, Psychology

Abstract

Several scales for measuring attitude that have been developed are first described and evaluated. It is noted that the scales frequently fail to distinguish between opinions and attitudes and that the attitude object varies between studies. Studies of young adults’ attitudes toward borrowing are then reviewed. A majority have focused on student loans. It is found that attitudes are favorable although a change over time toward less favorable attitudes is discernible. A critical issue is to what extent favorable attitudes are related to borrowing. Some but not all studies confirm a positive relationship between favorable attitudes toward borrowing and debt amount. The causal direction of the relationship may however vary over time and in different groups

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