A new study finds that being behind on paying credit cards and having overdue household bills increases depressive symptoms.

Researchers found the link to be particularly strong among unmarried people, people reaching retirement age and those who are less well educated. Investigators also looked at whether mid or long-term debt influenced depressive symptoms and found little evidence that being in arrears for this type of debt is linked to depression.

The study was focused on around 8,500 working-age adults. The data were taken from two waves of the National Survey of Families and Households, conducted six years apart and ending in 1994.

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