hand with credit card

Improving adherence to debt repayment through behavioral modelling

read time - icon

0 min read


American household debt to GDP ratio is 77% – one of the highest in the developed world.

American Financial Solutions is a non-profit organization located in Seattle, Washington. Over 20 years, they have helped over 450,000 Americans pay off over $9 billion USD in debt.

Although the service offered by AFS is strongly valued by clients at the beginning of the program, a variety of factors cause certain clients to drop out of the program. In many cases, this is due to a lack of healthy financial habits, driven by biases in client decision making.

The Challenge

AFS asked The Decision Lab to create a messaging strategy that can be used directly with AFS clients (through channels such as websites, phone, email and text message), in order to increase debt repayment rates.

Read Next

Notes illustration

Eager to learn about how behavioral science can help your organization?