PECULIARITIES OF RELATIONS TO MONEY DEBT OF STUDENTS AND ECONOMIC BEHAVIOR AT THE UNIVERSITY
Attitude to monetary debt is an urgent problem of social and economic psychology. Large expenditures in the learning process, combined with intolerance to loans lead to the fact that higher education becomes accessible only to wealthy citizens, and those who are unable to bear such expenses are forced to choose more affordable forms of education, in the future this will lead to even greater polarization of society due to the different level of education and, consequently, the different availability of highly paid positions. The article presents the results of a theoretical analysis of domestic and foreign studies on the problem of student debt, the ratio of debt and willingness to study for a fee. Tuition at the expense of borrowed funds is considered as one of the forms of economic behavior. The total sample of the study was 326 people, the average age is 18.9 years old SD = 2.3; of which 147 people (18.9 years, SD = 2.0) are trained on a budgetary basis and 179 people. (18.9 years; SD = 2.5) study on a fee basis. An empirical study is presented. It is shown that differences in education among respondents are associated with different attitudes to loans and debts. The role of previous lending experience in groups of respondents with a different attitude to debt is revealed. For people who did not have lending experience in the past, the level of debt rationality and debt condemnation is higher, and the level of readiness for loans, on the contrary, is lower. The attitude to loans among people who demonstrate “responsible” and “non-responsible” behavior towards loans is also different. People who do not have debts and overdue payments on loans have a higher level of debt rationality and at the same time a lower level of willingness to take a loan. The relationship between the scales of the questionnaire, the attitude to debt with the scales of the questionnaires “Big Five” and “Time Prospect” is revealed. Debt rationality is positively related to the future and fatalistic present, debt condemnation is negatively related to the hedonic present and positively related to good faith and openness to new experience, debt condemnation is negatively related to friendliness. Credit willingness is negatively related to emotional stability.