【中英阅读】研究发现 欠债让生活更美好chatnet(2016/4/27 15:07:03)
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Being crushed under a mountain of debt is typically frowned upon.
Not being able to pay for goods outright, and then being hit by extortionate interest rates which spiral out of control, is the stuff of financial nightmares.
But new research has suggested this could actually be a dream scenario for many young adults.
It claims those saddling themselves with credit card debt will feel empowered and have better self-esteem.
"Debt can be a good thing for young people - it can help them achieve goals that they couldn't otherwise, like a college education," said Ohio State University assistant sociology professor Rachel Dwyer.
Her study found that 18 to 27-year-olds who had huge credit card and university loan debts had better self-esteem than their peers.
They also felt as if they were more in control of their lives, especially those in the lower economic classes.
Only the oldest of those studied, between 28 and 34, began showing signs of stress about the money they owed.
Professor Dwyer said her team was "surprised" at the results of her research into 3,079 young adults which examined data on two types of debt - loans taken out to pay for university and total credit card bills.
She said: "We thought educational debt might be seen as a positive because it is an investment in their future, while credit card debt could be viewed more negatively. Surprisingly, though, we found that both kinds of debt had positive effects for young people. It didn't matter the type of debt, it increased their self-esteem and sense of mastery."
But Professor Dwyer also said that Debt may make young people feel better about themselves in the short-term, but that doesn't mean it won't have negative consequences in the long term.
"How debt affected young people depended on what other financial resources they had available," she said.