The study discussed here examines the relationship between newlywed debt, selected demographic variables, and newlywed levels of marital satisfaction and adjustment. The study used survey data gathered from 1,010 randomly sampled newlywed couples. The findings from this study indicate that entering marriage with consumer debt has a negative impact on newlywed levels of marital quality. Extension educators are in a unique position to provide local high schools, colleges, and the public with information on debt management and its impact on marriage relationships.

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