Giorgia BarboniJuan-Camilo CárdenasNicolás de Roux2026-03-222026-03-22202410.2139/ssrn.4700542https://doi.org/10.2139/ssrn.4700542https://andeanlibrary.org/handle/123456789/84251enLeverage (statistics)LoanDebtJuvenile delinquencyStudent loanMonetary economicsBusinessPsychologyEconomicsBehavioral Messages and Debt Repaymentpreprint