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Personal debt remains an important factor in many economic models because it encourages people to use debt to finance consumption. Whether this model is sustainable for individuals or the countries in which they reside is an ongoing question of great complexity and many social and economic implications, not only for the burdened individuals and their countries, but also for the EU as a whole. In Personal Debt in Europe, Federico Ferretti and Daniela Vandone examine the 'dark side' of personal debt, or over-indebtedness, in social and economic terms. They employ cross-country consumer-level data to present the latest empirical studies on the problem, analyse these findings to better understand its nature and causes, and discuss the merits of proposed insolvency legislation and harmonisation initiatives in the EU.

Consumer credit --- Loans, Personal --- Debt --- Consumer debt --- Credit --- Indebtedness --- Finance --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Loans --- Law and legislation

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Social stratification --- Sociology of work --- Economic sociology --- United Kingdom --- Loans, Personal --- Financial institutions --- Low-income consumers --- Law and legislation --- Disadvantaged consumers --- Poor as consumers --- Consumers --- Financial intermediaries --- Lending institutions --- Associations, institutions, etc. --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Consumer credit --- Loans

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Microfinance. --- Loans, Personal. --- Poverty. --- Microfinance --- Prêts personnels --- Pauvreté --- 336.71 --- 336.77 --- 339.96 --- Bankwezen --- Financiering. Krediet. Kredietverlening. --- Ontwikkelingshulp. Ontwikkelingssamenwerking. Ontwikkelingsproblematiek --- 339.96 Ontwikkelingshulp. Ontwikkelingssamenwerking. Ontwikkelingsproblematiek --- 336.77 Financiering. Krediet. Kredietverlening. --- 336.71 Bankwezen --- Prêts personnels --- Pauvreté --- Loans, Personal --- Poverty --- Destitution --- Wealth --- Basic needs --- Begging --- Poor --- Subsistence economy --- Micro-finance --- Microcredit --- Microenterprise lending --- Microlending --- Financial services industry --- Small business --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Consumer credit --- Loans --- Financiering. Krediet. Kredietverlening --- Finance

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Global financial markets have transformed over the past three decades – with potentially dangerous results. Growing competitiveness in financial markets has forced banks to adapt – by merging, growing, and innovating. The result has been an unprecedented transformation in the identity of society's borrowers: households and banks are borrowing more, businesses are borrowing relatively less. This "Great Debt Transformation" has profound consequences: as we shift toward economic growth fueled by consumption and financial investment, instability, indebtedness, and inequality have all risen. This book explains this transformation, why it matters, what caused it, and – most importantly – examines how some countries have restrained the transformation underway. Britain, France, and Germany have taken very different approaches to this transformation – and those approaches have resulted in divergent results. This book aims to turn those different results into lessons to help us make sense of the great economic challenges of our time.

Debt --- Financial institutions --- Consumer credit --- Loans, Personal --- Commercial loans --- Financialization. --- Credit, Debt & Loans --- Finance --- Business & Economics --- Debt. --- Financial institutions. --- Consumer credit. --- Loans, Personal. --- Commercial loans. --- Commercial lending --- Loans, Commercial --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Consumer debt --- Financial intermediaries --- Lending institutions --- Indebtedness --- Loans --- Credit --- Associations, institutions, etc. --- Comparative politics. --- International economics. --- Macroeconomics. --- Political economy. --- International relations. --- Investment banking. --- Securities. --- Comparative Politics. --- International Economics. --- Macroeconomics/Monetary Economics//Financial Economics. --- International Political Economy. --- International Relations. --- Investments and Securities. --- Blue sky laws --- Capitalization (Finance) --- Investment securities --- Portfolio --- Scrip --- Securities --- Securities law --- Underwriting --- Investments --- Investment banking --- Banks and banking, Investment --- Investment banks --- Coexistence --- Foreign affairs --- Foreign policy --- Foreign relations --- Global governance --- Interdependence of nations --- International affairs --- Peaceful coexistence --- World order --- National security --- Sovereignty --- World politics --- Economic theory --- Political economy --- Social sciences --- Economic man --- Economics --- Economic policy, Foreign --- Economic relations, Foreign --- Economics, International --- Foreign economic policy --- Foreign economic relations --- International economic policy --- International economics --- New international economic order --- Economic policy --- International relations --- Economic sanctions --- Comparative political systems --- Comparative politics --- Government, Comparative --- Political systems, Comparative --- Political science --- Law and legislation

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How the financial pressures of paying for college affect the lives and well-being of middle-class families The struggle to pay for college is a defining feature of middle-class life in America. Caitlin Zaloom takes readers into homes of families throughout the nation to reveal the hidden consequences of student debt and the ways that financing college has transformed our most sacred relationships. She describes the profound moral conflicts for parents as they try to honor what they see as their highest parental duty-providing their children with opportunity-and shows how parents and students alike are forced to gamble on an investment that might not pay off. Superbly written and unflinchingly honest, Indebted breaks through the culture of silence surrounding the student debt crisis, exposing the unspoken costs of sending our kids to college.

Student loans. --- Middle class families. --- Loans, Personal. --- Education, Higher --- SOCIAL SCIENCE / Social Classes --- Middle class families --- Loans, Personal --- Student loans --- Student loan funds --- Student loan programs --- Loans --- Student aid --- Scholarships --- Families --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Consumer credit --- Finance. --- Costs. --- United States. --- 529 plan. --- Ability To Pay. --- Adviser. --- African American Family. --- African Americans. --- Aid. --- American middle class. --- Americans. --- Anthropologist. --- Associate degree. --- Bachelor's degree. --- Bankruptcy. --- Calculation. --- Capitalism. --- Career. --- Center for Advanced Study in the Behavioral Sciences. --- Center on Budget and Policy Priorities. --- College Board. --- Community college. --- Consideration. --- Customer. --- Debt. --- Determination. --- Economics. --- Economist. --- Education. --- Employment. --- Expected Family Contribution. --- Expense. --- FAFSA. --- Family Lives. --- Family income. --- Financial adviser. --- Financial literacy. --- For-profit higher education in the United States. --- Funding. --- Graduation. --- Grandparent. --- Higher education. --- His Family. --- Historically black colleges and universities. --- Home equity. --- Household. --- Income. --- Institution. --- Interview. --- Investment fund. --- Investor. --- Middle class. --- Mortgage loan. --- Nancy Fraser. --- Narrative. --- New York University. --- Nuclear family. --- Of Education. --- Oppression. --- PLUS Loan. --- Parenting. --- Payment. --- Pension. --- Poverty. --- Private school. --- Private university. --- Public institution (United States). --- Public university. --- Pundit. --- Racism. --- Rational choice theory. --- Remarriage. --- Repayment plan. --- Requirement. --- Research assistant. --- Retirement. --- Russell Sage Foundation. --- Salary. --- Sallie Mae. --- Saving. --- Scholarship. --- Security (finance). --- Sibling. --- Social mobility. --- Social science. --- Sociology. --- Standard of living. --- State school. --- Student debt. --- Student loan. --- Student. --- Subsidy. --- Tax. --- Technology. --- Trade-off. --- Tuition payments. --- Uncertainty. --- University. --- Vocational education. --- Wealth. --- Welfare. --- Year. --- ABŞ --- ABSh --- Ameerika Ühendriigid --- America (Republic) --- Amerika Birlăshmish Shtatlary --- Amerika Birlăşmi Ştatları --- Amerika Birlăşmiş Ştatları --- Amerika ka Kelenyalen Jamanaw --- Amerika Qūrama Shtattary --- Amerika Qŭshma Shtatlari --- Amerika Qushma Shtattary --- Amerika (Republic) --- Amerikai Egyesült Államok --- Amerikanʹ Veĭtʹsėndi͡avks Shtattnė --- Amerikări Pĕrleshu̇llĕ Shtatsem --- Amerikas Forenede Stater --- Amerikayi Miatsʻyal Nahangner --- Ameriketako Estatu Batuak --- Amirika Carékat --- AQSh --- Ar. ha-B. --- Arhab --- Artsot ha-Berit --- Artzois Ha'bris --- Bí-kok --- Ē.P.A. --- É.-U. --- EE.UU. --- Egyesült Államok --- ĒPA --- Estados Unidos --- Estados Unidos da América do Norte --- Estados Unidos de América --- Estaos Xuníos --- Estaos Xuníos d'América --- Estatos Unitos --- Estatos Unitos d'America --- Estats Units d'Amèrica --- Ètats-Unis d'Amèrica --- États-Unis d'Amérique --- ÉU --- Fareyniḳṭe Shṭaṭn --- Feriene Steaten --- Feriene Steaten fan Amearika --- Forente stater --- FS --- Hēnomenai Politeiai Amerikēs --- Hēnōmenes Politeies tēs Amerikēs --- Hiwsisayin Amerikayi Miatsʻeal Tērutʻiwnkʻ --- Istadus Unidus --- Jungtinės Amerikos valstybės --- Mei guo --- Mei-kuo --- Meiguo --- Mî-koet --- Miatsʻyal Nahangner --- Miguk --- Na Stàitean Aonaichte --- NSA --- S.U.A. --- SAD --- Saharat ʻAmērikā --- SASht --- Severo-Amerikanskie Shtaty --- Severo-Amerikanskie Soedinennye Shtaty --- Si͡evero-Amerikanskīe Soedinennye Shtaty --- Sjedinjene Američke Države --- Soedinennye Shtaty Ameriki --- Soedinennye Shtaty Severnoĭ Ameriki --- Soedinennye Shtaty Si͡evernoĭ Ameriki --- Spojené obce severoamerické --- Spojené staty americké --- SShA --- Stadoù-Unanet Amerika --- Stáit Aontaithe Mheiriceá --- Stany Zjednoczone --- Stati Uniti --- Stati Uniti d'America --- Stâts Unîts --- Stâts Unîts di Americhe --- Steatyn Unnaneysit --- Steatyn Unnaneysit America --- SUA --- Sŭedineni amerikanski shtati --- Sŭedinenite shtati --- Tetã peteĩ reko Amérikagua --- U.S. --- U.S.A. --- United States of America --- Unol Daleithiau --- Unol Daleithiau America --- Unuiĝintaj Ŝtatoj de Ameriko --- US --- USA --- Usono --- Vaeinigte Staatn --- Vaeinigte Staatn vo Amerika --- Vereinigte Staaten --- Vereinigte Staaten von Amerika --- Verenigde State van Amerika --- Verenigde Staten --- VS --- VSA --- Wááshindoon Bikéyah Ałhidadiidzooígíí --- Wilāyāt al-Muttaḥidah --- Wilāyāt al-Muttaḥidah al-Amirīkīyah --- Wilāyāt al-Muttaḥidah al-Amrīkīyah --- Yhdysvallat --- Yunaeted Stet --- Yunaeted Stet blong Amerika --- ZDA --- Združene države Amerike --- Zʹi͡ednani Derz͡havy Ameryky --- Zjadnośone staty Ameriki --- Zluchanyi͡a Shtaty Ameryki --- Zlucheni Derz͡havy --- ZSA