Seniors record high debt with fewer debtors
Polish seniors have reached a record debt level of PLN 12.2 billion in Q3 2025, according to BIG InfoMonitor, despite a drop in the number of indebted individuals. This suggests that a smaller group is falling deeper into financial trouble. The average overdue debt per senior is PLN 34,209, mostly due to small obligations like rent, phone bills, and fines. Seniors in Mazovia have the highest average debt (PLN 55,700), while the highest individual debt – PLN 96.9 million – comes from Lublin. Both genders are equally affected. The main causes are rising living costs, high loan rates, and fixed retirement incomes.
Experts emphasize the need for financial education and family support to reduce seniors’ vulnerability and debt spiral.
