Abstract
In modern Kazakh society, the issue of borrowing is one of the most pressing topics. Due to the current socio-economic conditions, ordinary people resort to loans and are unable to pay debts due to layoffs and decreased ability to work due to a sharp deterioration in health. Stress is a special mental state associated with the emergence and manifestation of emotions, but it is characteristic not only of emotional phenomena, but also manifests itself in motivational, cognitive, voluntary behavior and other components of a person. From a psychological point of view, credit stress is a very difficult situation; it is an increase in negative emotions associated with money. The inability to repay a loan negatively affects a person’s psychological world, since a person is constantly in a state of fear and refuses to buy the desired thing because he has a loan debt that needs to be paid off. Today, credit allows consumers, especially young people, to easily borrow money to meet their shopping needs and desires. Having taken out a loan, young people feel one step closer to their dream and do not understand how they fell into the temptation of a loan in the future.
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