This paper reviews psychological studies of real‐life use of credit, debt, and overindebtedness, with the aim of making policy recommendations that could reduce the damage done by debt to both individuals and society. The overall level of debt in society is heavily influenced by the level of economic inequality and social insecurity, and no psychological factor can prevent debt if excessive socioeconomic disadvantage is not addressed. Within that constraint, psychological precursors to debt problems, psychological impacts of debt, and psychological strategies to help people get out of debt can be identified. Research results in these areas are used to formulate a series of recommendations that could help mitigate debt problems.

中文翻译：

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债务与过度负债：心理证据及其政策含义

本文回顾了现实生活中对信用，债务和超债的使用的心理学研究，目的是提出政策建议，以减少债务对个人和社会造成的损害。社会总体债务水平在很大程度上受到经济不平等和社会不安全程度的影响，如果不解决过度的社会经济劣势，没有任何心理因素可以阻止债务。在此限制范围内，可以确定债务问题的心理先兆，债务的心理影响以及帮助人们摆脱债务的心理策略。这些领域的研究结果被用于制定一系列有助于减轻债务问题的建议。