Education does not always imply the need to change behaviors. With the
relatively low debt-to-income ratios of these respondents, their level of
concern about their credit obligations seems unwarranted. For some
consumers, learning to analyze their credit obligations and put them into
perspective (related to income and assets) may result in higher levels of
financial satisfaction. Like Hira Fanslow, and Titus (1989) this study found
dissatisfaction when objective measures indicted financial health. If this lack
of satisfaction is due to lack of knowledge, further financial management
education is needed.