Ľapinová, Erika2026-03-062026-03-062025978-80-87990-35-3https://repo.umb.sk/handle/123456789/1269In: The 19th International Days of Statistics and Economics : conference proceedings / ed. Tomáš Löster, Tomáš Pavelka. 1. vyd. Slaný : Libuše Macáková, MELANDRIUM, 2025. ISBN 978-80-87990-35-3. S. 162-180.The issue of household indebtedness in Slovakia and Europe is highly topical. In our paper, we will pay attention to this phenomenon and distinguish between indebtedness and over-indebtedness. Private household debt has macroeconomic, microeconomic, and non-economic impacts (especially social and psychological). In the theoretical part, we will also emphasize the causal and consequential relationships of this issue. In the analytical part of the article, using available data from Eurostat and the ECB, we will describe the scope and level of indebtedness of private households in Slovakia compared to European countries and the development trends in this area. We will point out the problems and risks that the current state of indebtedness and its dynamics can cause, and we will indicate solutions to achieve changes in a positive sense: free debt counseling, financial education for both children and adults, the role of supervision over debt providers, and the financial market (in Slovakia realized by the National Bank of Slovakia).en© vydavateľinfo:eu-repo/semantics/openAccessdomácnostihouseholdsdlhydebtsfinancie domácnostízadlženienadmerné zadlženieover-indebtednessEurópska úniaEuropean UnionArticle