Consumption loans has increased considerably during 2010-2019 and thus affected householddebt and financial stability due to high interest rates with short maturity. To investigate thesubject multiple neoclassical models has been used additional to a regression analysis with adequate variables and descriptive diagrams. Mental health has seemingly worsened from 2010and onwards, so we want to investigate whether it’s due to rising debt levels or not. For that we investigate the variables anxiety, depression, and migraine for the mental health parameter. In this thesis we want to analyze whether there is a causal relationship between debt and mentalhealth between 2010 and 2019. The main conclusion is that there are some correlations between debt and mental health for females 25-54 and 55-64 years old. Females 18-25 years old had a negative correlation between debt and mental health. Likewise did males in all age categories. For males 55-64 years old a strong correlation between unemployment and mental health issues was found. No causal relationship between debt and mental health issues can be established inthis paper due to inexplicit correlations.