Understanding How Debt Could Be Ruining Your Health & Happiness



People who have gone through financial problems and encountered a financial crisis would know the detrimental effects of debt on health, finances, and overall well-being. Debts are supposed to ruin your life by adversely impacting both your mental and physical health. Taking proactive measures to get out of all your existing debts is surely a constructive and effective way of enhancing your financial status and overall happiness.

When you are in overwhelming debt, you would be under severe stress both physically and mentally. Debt adversely impacts your relationships and psyche. For example, newly-wed couples who are constantly bickering about money or debts were relatively more likely to go for a divorce within the first five years of their marriage. The arguments could range from who would do the dishes, sex, etc. We know that there are numerous ways of accumulating debts and most of your health issues are known to stem debt. Maxed-out credit cards to high-interest student loans all are causes of deep stress that culminate in a variety of health conditions. Let us explore how debt would be impacting your health and happiness negatively.

Neglecting Health Care

Thanks to the Affordable Care Act, today more people in the United States are living with health insurance. However, there are still some low-income households and individuals that are lacking in easy access to effective healthcare coverage. As such, fundamental healthcare like preventive care and physical examination are often neglected due to lack of funds.

In this context, you must understand that high expensive credit card debts could end up endangering your health and peace of mind. As per the findings of a study conducted by the renowned University of Michigan, there would be reduced doctor visits because of overpowering credit card debts. People who are juggling various credit card minimum payments often express hesitation regarding visiting doctors for checkups or treatment even though they may be sick, let alone preventive care.

Stress & Anxiety Due to Debt

Issues associated with intense debts could make you fall sick. As per the revelations of a study undertaken by the Northwestern University that evaluated participants in the age group of 24 to 32 having high debt-to-asset ratios. Several participants experienced precariously high blood pressure issues. The Ohio State University associated high-stress levels to the reduced production of beneficial bacteria and relatively high levels of harmful bacteria present in your digestive tract. Chronic debt stress could culminate in severe migraine issues, back pain, muscle tension and relatively higher risks of getting heart attacks. Browse through debt consolidation ratings for perfect debt relief services and solutions.

Heavy Debts Lead to Depression

As per https://www.health.com, “It’s not just young people who feel the strain of debt, either. Older adults can fall victim to financial troubles and it can affect their mental health. In a 2014 Rutgers University study, adults age 51 and older were more likely to report depressive symptoms when they owed a high amount of unsecured debt and didn’t feel in control of their financial circumstances.”

Chronic Debts Could Lower Your Immunity

Even though not too much studies have been conducted precisely to establish a correlation between immunity and debt, it is quite natural to effectively associate debt with a reduction in immunity. Money worries could be keeping you sleepless at night that could be an important reason that would be impairing your body’s capacity to combat infections.


Some studies have prominently revealed how ever-mounting student loans could be impacting your overall health and peace of mind. 74 percent of the subjects in a recently conducted study, actually developed dread and depression that compelled them to lead their lives in total isolation fearing by shutting out friends and relatives from their way of life. Most participants in the study actually reported that they experienced dread and apprehension that compelled them to lead an isolated existence.

Mental Health Issues

Due to the rising stress hormones triggered by heavy financial crisis and debts, you would experience a serious imbalance of chemicals in your brain. People suffering from heavy debts are 3x more likely to develop serious mental health issues. All this could culminate in anxiety, depression, and psychotic disorders.

Intense Body Pain

Your brain is certainly not the only part of your body that is impacted negatively by overpowering debts. Often you experience intense physical pain or body aches due to debt issues. People who are dealing with debts and other financial issues would be purchasing over-the-counter medicines and painkillers for dealing with their ailments.

High Blood Pressure & Hypertension Issues

According to the findings of a study conducted by the National Institutes of Health, there are many ways how your body could be affected by financial crisis and debt issues. The study revealed that after observing 8400 young adult participants, it was certain that there is a close association between elevated blood pressure and debts. People who are going through miseries in life due to financial woes also, experience shortness of breath and rapid heartbeat. Intense worries regarding the money issues could lead to hypertension.

Insomnia & Other Sleep Disorders

Excessive stress because of debt and money issues would be ruining your peace of mind and your sleep at night. Your bedroom should be the haven of peace and tranquility where you should get restorative and rejuvenating sleep at night. Unfortunately, people who are bogged down with massive debts and worries of debt repayment, suffer from sleep disorders and insomnia. This could become a serious problem and may lead to other more serious issues such as cardiac arrests, and strokes.


We have discussed that when you have debt issues and money issues to deal with, it would be highly challenging and dreadful to think about expensive doctor visits and treatments. You would be avoiding treatments and visits to the clinic because you are scared of the idea of paying money to the doctor or for the procedures and treatment. No matter what your financial state is you need to see your doctor regarding your intense stress levels. That is the most effective way of finding relief while handling your debt issues. It is a fact that you cannot get freedom from debts almost overnight unless you have a rich relative who is willing to help or you have won a lottery. However, with a lot of patience, dedication, discipline, and intense support from your friends and family you may be able to manage your debts well and take care of your health.