TABLE 1.

Socio-demographic characteristics of the two groups of overindebted and non-overindebted participants.

		Overindebted	Non-overindebted
Age
	M (SD)	52.30 (11.66)	48.93 (17.61)
	Valid N	86	128
Income**
	M (SD)	1,100.65 (562.54)	2,103.50 (2,176.07)
	Valid N	154	120
Income per capita**
	M (SD)	597.87 (372.34)	1,042.84 (825.00)
	Valid N	147	119
Debt**
	M (SD)	733.88 (944.51)	170.26 (222.74)
	Valid N	149	113
Debt to income ratio*
	M (SD)	0.83 (1.89)	0.20 (0.17)
	Valid N	140	55
Debt + expenses to income ratio*
	M (SD)	1.61 (2.19)	0.81 (0.50)
	Valid N	83	55
People in the household*
	M (SD)	2.10 (1.00)	2.40 (1.27)
	Valid N	152	126
Level of schooling
	1st Cycle	20 (12.82%)	3 (2.34%)
	2nd Cycle	13 (8.33%)	8 (6.25%)
	3rd Cycle	35 (22.43%)	26 (20.31%)
	Sec. Ed	59 (37.82%)	33 (25.78%)
	Voc. Ed	4 (2.56%)	9 (7.03%)
	Any degree	25 (16.02%)	49 (38.28%)
	Valid N	156	128
Marital status
	Single	93 (59.23%)	74 (57.81%)
	(of whom divorced/separated)	45 (28.66%)	23 (17.96%)
	Married	64 (40.76%)	54 (42.18%)
	(of whom living together)	33 (21.01%)	54 (42.18%)
	Valid N	157	128
Professional status
	Unemployed	31 (19.87%)	18 (14.4%)
	Informal jobs	3 (1.92%)	7 (5.6%)
	Retired	34 (21.79%)	41 (32.8%)
	Employed	88 (56.41%)	59 (47.2%)
	Valid N	156	125

*Difference between means is significant with p < 0.05. **Difference between means is significant with p < 0.001.