Easy come, easy go: borrowing over the life cycle

Authors: Andrea Finney, Sharon Collard, Professor Elaine Kempson
Funded by: Standard Life
Published by: Standard Life
Publication date: December 2007

The overall aim of this project was to provide a better insight into life-cycle linked triggers of borrowing and from this, to examine how high levels of borrowing and financial difficulty might be mitigated or even prevented at different life-stages.

Within this the research had the following specific objectives:

The study comprised three main elements to inform an understanding of who borrows and why:

  1. A review of existing empirical research literature.
  2. Secondary analysis of two national social surveys.
  3. Primary analysis of eight focus group discussions with young adults, people in their family years and people in the post-family years.

Easy come, easy go: borrowing over the life cycle [ Full report (PDF, 658kB) | Executive summary (PDF, 285kB) ]

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