However, a common finding has been that, in addition to these expected
economic correlates, there are social and psychological factors which are
associated with higher levels of debt, even when multivariate analyses are
used to take into account their possible mutual correlations with economic
resources or economic needs. Getting into, or staying out of debt is not a
function of economic variables alone. The present paper is a further
exploration of the non-economic (or less economic) factors in consumer
debt.