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Consumer debt and satisfaction in life.
Journal of Experimental Psychology: Applied ( IF 2.813 ) Pub Date : 2020-05-21 , DOI: 10.1037/xap0000276
Adam Eric Greenberg 1 , Cassie Mogilner 2
Affiliation  

Life's major purchases, such as buying a home or going to college, often involve taking on considerable debt. What are the downstream emotional consequences? Does carrying debt influence consumers' general sense of satisfaction in life? Seven studies examine the relationship between consumers' debt holdings and life satisfaction, showing that the effect depends on the type of debt. Though mortgages tend to comprise consumers' largest debts, and though credit card balances tend to have the highest interest rates, we found among a diverse sample of American adults (N = 5,808) that the type of debt most strongly associated with lower levels of life satisfaction is student loans. We further found that the extent to which consumers mentally label a given debt type as "debt" drives the emotional consequences of those debt holdings, and compared to the other debt types, student loans are perceived more as "debt." Together the findings suggest that carrying debt can spill over to undermine people's overall subjective well-being, especially when their debt is perceived as such. (PsycInfo Database Record (c) 2021 APA, all rights reserved).

中文翻译:

消费者债务和生活满意度。

生活中的主要购买,例如买房或上大学,通常涉及承担相当大的债务。下游的情绪后果是什么?背负债务是否会影响消费者对生活的普遍满足感?七项研究考察了消费者持有的债务与生活满意度之间的关系,表明这种影响取决于债务类型。尽管抵押贷款往往是消费者最大的债务,尽管信用卡余额的利率往往最高,但我们在不同的美国成年人样本 (N = 5,808) 中发现,债务类型与较低的生活水平最密切相关满意是助学贷款。我们进一步发现,消费者在心理上将特定债务类型标记为“债务”的程度 推动这些债务持有的情感后果,与其他债务类型相比,学生贷款更被视为“债务”。研究结果表明,背负债务可能会损害人们的整体主观幸福感,尤其是当他们的债务被认为是这种情况时。(PsycInfo 数据库记录 (c) 2021 APA,保留所有权利)。
更新日期:2020-05-21
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