Impacts on Employment & Education

Debt tends to impact of those in employment in two ways, either increase the number of hours working and the effectiveness of work carried out.

Working longer hours inevitably impact on the physical and mental health of individual, leaving them emotionally drained and physically exhausted. It is not uncommon for those in debt to work less time due to depression or onset of other stress related illnesses.

For many self-employed individuals the debt stress and time spend trying to resolve their debt problems often left them with little time, energy and effort necessary to run their business.

For those in education debt stress often impacts on their ability to concentrate on their studies, resulting in deteriorating grades and even dropping out of their education.