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A January 2013 Ohio State University study found that young people are racking up debt at a much higher rate than older generations, and they're also paying it off more slowly."To them, having credit card debt is just status quo," Solomon says.

Y., said he's not surprised that several of the most-unmentionable topics relate to money.Credit counselors say that perception is what prevents many of their clients from seeking help sooner. boxes or to a different address, and they may not take steps to fix the problem because they're working so hard trying to keep up appearances.Not only are they unwilling to talk about their debt with strangers, a growing number are hiding financial problems from their spouses, family members and friends, says Michael Mc Auliffe, president of Family Credit Management, a Chicago-based nonprofit consumer credit counseling agency. "Clients would tell us they were spending 0 to go out on a Saturday night because they didn't want to tell their friends what was going on," Mc Auliffe says.America's Protestant work ethic culture means that much of our identity is tied up in how we're doing financially, Compeau says, so not being able to provide for your family or pay the bills can cause feelings of embarrassment and shame.Compeau recently saw that firsthand, when he conducted in-depth interviews for a research project with consumers who had suffered major debt problems.