Almost everybody has a debt and one of the major tasks is to settle it. In scientific study it is often unrealizable to define whether the backlog is a determinative factor or consequence of psychic dysfunctions. But all in all, the studies perform that debts are related to the aspects that will be presented below.

The research of 271 British couples showed that there's a peculiar link between the increase of postpartum depression and the backlogs. In this situation the scientists couldn't confirm that certainly debts were the main reason of depression, but still they were the foretellers of socio-economical depression. Also, a study was held on the problem of sharp financial situation (which differs from the backlog) and depression. There was also held a research in Hong Kong that continued 3 years and comprised 554 elderly people. The outcomes performed that financial stress is the major predictor of depressive symptoms. But the similar three-year study that was made in the United States showed that the depression on the monetary basis is usually men's problem and it also depends on physical health and social support.

In the population research involving about 4,000 Finns it was found that difficulties in the payment of debts in the preceding 12 months (auto credits, bank loans, credit cards and loans from friends or a family member) were independent predictors of suicidal tendencies. Participants with financial difficulties had denominated psychiatric symptoms more commonly than persons who don't have such difficulties. Also, during the researches were invited people who afflicted the injury themselves. There were studied a lot of different persons who wanted to die and most of them had monetary problems. In the uncontrolled research scholars said that persons, who have backlogs, commonly caused injury to themselves, had clear suicidal intentions, and more commonly reported feelings of depression and hopelessness after perpetrating such an action. Meanwhile, patients that caused harm to themselves in most cases had backlogs, compared with a control group of patients. A lot of persons can strive to become independent of backlogs using the system of web search where they have just to type clear debt and they will get the decision they need.

Effect of backlog on social relationships may be expressed by social isolation, social expulsion and obstacles in maintaining existing relations. Such cases as material loss and some similar ones may be also associated with debt.