Poland is facing a increasing debt problem, which affects more and more people, and besides generates serious consequences for the economy. The latest study of the National Debt registry shows the alarming financial situation of Poles, connected with immense debt, which exceeded PLN 8.8 billion. This problem affects more than 408,000 people, with the largest number of debtors coming from smaller cities facing financial difficulties.
Debt in medium-sized cities – problem growing
The year 2025 brings fresh challenges to Poles, and 1 of the biggest issues is the issue of debt in smaller cities, which number between 20 and 50 1000 inhabitants. specified centres are liable for 1 5th of all debts in the country, which means an amount of PLN 6.4 billion. The problem concerns people who, despite lower earnings, effort to keep a standard of surviving comparable to that offered by metropolitan areas. These aspirations frequently lead to debt spirals, as the inhabitants of smaller cities are not always able to cover rising expenditures.
Giant Longs: Recorder from Lower Silesia
The most shocking case in Poland is the debt which amounts to PLN 10.8 million. This kind of commitment belongs to a citizen of Lower Silesia, who was on the leading recordlist. Comparing this amount to the average debt, which is PLN 21.6 1000 per person, is simply a difference that no 1 expected on specified a scale. However, despite evidence debt, Lower Silesia is not ranked at the top of the ranking of the most indebted regions. It is Mazowsze, with Warsaw at the head, who conducts in this shameful comparison. The following places are Lower Silesia and Wielkopolska.
The most common causes of debt
The causes of rising debt are very diverse. Although financial problems may arise from unforeseen circumstances specified as illness, household appliances failure or the request to aid the family, the most common reason remains the irregular regulation of obligations. Unpaid rents already represent a immense debt of PLN 49.4 million. Another major problem is alimony, which in Poland generates debt of PLN 3.6 billion.
Debt and the age of debtors
The demographic analysis of debt shows that the most indebted are those aged 46-55. The full amount of liabilities of this group is PLN 2.9 billion. Interestingly, there is simply a clear sex imbalance in this group. Men are liable for PLN 6.7 billion in debt, while women are liable for 2.1 billion. This shows that the debt problem is not only a substance of individual financial decisions, but besides of changing social roles that can affect the economical situation of households.
The lowest debt regions
Although the debt problem concerns the full of Poland, there are regions that stand out positively. An example is the Podlaskie province, whose residents show the lowest level of debt in the country. In this region, debt is much smaller, which may be due to different economical and cultural conditions. In smaller centres, specified as those in the Podlaskie Voivodeship, people can have a more conservative approach to finance and more control of their spending.
Assistance needed
In the face of rising debt, experts emphasise the request for social and economical intervention. economical support programmes and broad financial education are needed, especially in smaller cities where the debt problem is peculiarly visible. Authorities should focus on long-term actions to aid improve the economical situation in regions distant from the main economical centres of the country. The president of the National Debt Register, Adam Łącki, emphasizes that only a comprehensive approach to the subject will let effective simplification of debt in Poland.
New challenges in the face of rising debts
The scale of Poles' debt is increasingly alarming and statistic show that the problem is becoming more common. In 2025 Poland is at a crossroads where educational activities, support programmes and changes in financial policy will become crucial for improving the situation. It will besides be crucial to implement fresh regulations that will focus on debt aid and advance financial responsibility.
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Record debts of Poles: Which regions are the most burdened?
