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Sim Kee Boon Institute for Financial Economics

Adulting 101: Interest rates, fees, and credit reports — what to look out for when taking a personal loan from a bank

One in three young adults in Singapore had “unmanageable debt”, according to a study by the Citi Foundation-SMU Financial Literacy Programme for Young Adults, which surveyed 1,068 respondents aged between 18 and 30 from March to April last year on topics such as debt and savings. Assistant Professor of Finance (Education) and Director of the programme Aurobindo Ghosh explained the three common reasons why such a significant proportion of young Singaporeans had unmanageable debt.

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