Abstract
Financial debt and incarceration are both independently associated with poor health, but there is limited research on the association between debt and health for those leaving incarceration. This exploratory study surveyed 75 people with a chronic health condition and recent incarceration to examine debt burden, financial well-being, and possible associations with self-reported health. Eighty-four percent of participants owed at least one debt, with non-legal debt being more common than legal debt. High financial stress was associated with poor self-reported health and the number of debts owed. Owing specific forms of debt was associated with poor health or high financial stress. Non-legal financial debt is common after incarceration, and related stress is associated with poor self-reported health. Future research is needed in larger populations in different geographical areas to further investigate the relationship and the impact debt may have on post-release poor health outcomes. Policy initiatives to address debt in the post-release population may improve health.
Similar content being viewed by others
Data Availability
The datasets generated during and analysed during the current study are available from the corresponding author on reasonable request.
References
Jenkins R, Bhugra D, Bebbington P, et al. Debt, income and mental disorder in the general population. Psychol Med. 2008;38(10):1485–93.
Turunen E, Hiilamo H. Health effects of indebtedness: a systematic review. BMC Public Health. 2014;14:489.
Fitch C, Hamilton S, Bassett P, Davey R. The relationship between personal debt and mental health: a systematic review. Ment Health Rev J. 2011;16(4):153–66.
Bridges S, Disney R. Debt and depression. J Health Econ. 2010;29(3):388–403.
Brzoska PRO. Indebtedness and mortality: analysis at county and city levels in Germany. Gesundheitswesen. 2008;70(7):387–92.
Drentea P, Lavrakas PJ. Over the limit: the association among health, race and debt. Soc Sci Med. 2000;50(4):517–29.
Meltzer H, Bebbington P, Brugha T, Farrell M, Jenkins R. The relationship between personal debt and specific common mental disorders. Eur J Pub Health. 2013;23(1):108–13.
Sweet E, Nandi A, Adam EK, McDade TW. The high price of debt: household financial debt and its impact on mental and physical health. Soc Sci Med. 2013;91:94–100.
Richardson T, Elliott P, Roberts R. The relationship between personal unsecured debt and mental and physical health: a systematic review and meta-analysis. Clin Psychol Rev. 2013;33(8):1148–62.
Sweet E, Kuzawa CW, McDade TW. Short-term lending: payday loans as risk factors for anxiety, inflammation and poor health. SSM Popul Health. 2018;5:114–21.
Himmelstein DU, Lawless RM, Thorne D, Foohey P, Woolhandler S. Medical Bankruptcy: still common despite the affordable care act. Am J Public Health. 2019;109(3):431–3.
Yilmazer T, Babiarz P, Liu F. The impact of diminished housing wealth on health in the United States: evidence from the Great Recession. Soc Sci Med. 2015;130:234–41.
Zinman J. Household debt: facts, puzzles, theories, and policies. Annual Review of Economics. 2015;7(7):251–76.
Bronson J, Carson EA. Prisoners in 2017. Washington DC: US Department of Justice Bureau of Justice Statistics; 2019.
Zaw K, Hamilton D, Darity W. Race, Wealth and incarceration: results from the national longitudinal survey of youth. Race Soc Probl. 2016;8(1):103–15.
Maroto ML. The absorbing status of incarceration and its relationship with wealth accumulation. J Quant Criminol. 2015;31:207–36.
Harper A, Ginapp C, Bardelli T, et al. Debt, incarceration, and re-entry: a scoping review. Am J Crim Justice. 2021;46(2):250–78.
Massoglia M, Pridemore WA. Incarceration and health. Annu Rev Sociol. 2015;41:291–310.
Houle B. The effect of incarceration on adult male BMI trajectories, United States, 1981–2006. J Racial Ethn Health Disparities. 2014;1(1):21–8.
Binswanger IA, Krueger PM, Steiner JF. Prevalence of chronic medical conditions among jail and prison inmates in the USA compared with the general population. J Epidemiol Community Health. 2009;63(11):912–9.
Binswanger IA, Stern MF, Deyo RA, et al. Release from prison – a high risk of death for former inmates. N Engl J Med. 2007;356(2):157–65.
Massoglia M, Remster B. Linkages between incarceration and health. Public Health Rep. 2019;134(1_suppl):S8–14.
Schnittker J, Massoglia M, Uggen C. Out and down: incarceration and psychiatric disorders. J Health Soc Behav. 2012;53(4):448–64.
Schnittker J, John A. Enduring stigma: the long-term effects of incarceration on health. J Health Soc Behav. 2007;28(2):115–30.
McLeod BA, Gottlieb A. Examining the relationship between incarceration and child support arrears among low-income fathers. Child Youth Serv Rev. 2018;94:1–9.
Link NW, Roman CG. Longitudinal associations among child support debt, employment, and recidivism after prison. Sociological Quarterly. 2017;58(1):140–60.
Pleggenkuhle B. The effect of legal financial obligations on reentry experiences. St. Louis, MO: Criminology and Criminal Justice, University of Missouri-St. Louis; 2012.
Harner HM, Wyant BR, Da Silva F. “Prison ain’t free like everyone thinks”: financial stressors faced by incarcerated women. Qual Health Res. 2017;27(5):688–99.
Ortiz J. A needs analysis of recidivating female offenders in Oklahoma. Norman, Oklahoma: Department of Sociology, University of Oklahoma Graduate College; 2010.
Ware JE, Sherbourne CD, Davies AR. Developing and testing the MOS 20-item short-form health survey: a general population application. Measuring Functioning and Well-Being: The Medical Outcomes Study Approach Durham, N.C. : Duke University Press; 1992:277–290.
Hadden KB, Puglisi L, Prince L, et al. Health literacy among a formerly incarcerated population using data from the transitions clinic network. J Urban Health. 2018;95(4):547–55.
Link NW. Paid your debt to society? Legal financial obligations and their effects on former prisoners. Philadelphia, PA: Criminal Justice, Temple University, Temple University Libraries; 2017.
Pleggenkuhle B. The financial cost of a criminal conviction: context and consequences. Crim Justice Behav. 2018;45(1):121–45.
Martire K, Sunjic S, Topp L, Indig D. Financial sanctions and the justice system: fine debts among New South Wales prisoners with a history of problematic substance use. Aust N Z J Criminol. 2011;44(2):258–71.
Ong Q, Theseira W, Ng IYH. Reducing debt improves psychological functioning and changes decision-making in the poor. Proc Natl Acad Sci U S A. 2019;116(15):7244–9.
Harper A, Bardelli T, Barrenger S. Let Me Be Bill-free”: consumer debt in the shadow of incarceration. Sociol Perspect. 2020;63(6):978–1001.
CT Gen Stat § 52-259b (2013).
Roman CG, Link N. Child support, debt, and prisoner reentry: examining the influences of prisoners’ legal and financial obligations on reentry. Philadelphia, PA: Temple University, National Institute of Justice; 2015.
Steinbach A. Children’s and parents’ well-being in joint physical custody: a literature review. Fam Process. 2019;58(2):353–69.
Sanders CK. Promoting financial capability of incarcerated women for community reentry: a call to social workers. J Commun Pract. 2016;24(4):389–409.
Mielitz KS, Macdonald M, Lurtz M. Financial literacy education in a work release program for an incarcerated sample. J Financ Couns Plan. 2018;29:316–27.
Acknowledgements
We wish to express gratitude to the late Jerry Smart Jr. for his integral role in participant recruitment as a community health worker.
Funding
This study was funded by the National Institute of Diabetes and Digestive and Kidney Diseases of the National Institutes of Health under Award Number T35DK104689 and the Yale School of Medicine Office of Student Research Lowe Fund. The funding bodies had no role in developing the study design or in data collection, analysis, or interpretation.
Author information
Authors and Affiliations
Corresponding authors
Additional information
Publisher's Note
Springer Nature remains neutral with regard to jurisdictional claims in published maps and institutional affiliations.
Supplementary Information
Below is the link to the electronic supplementary material.
Rights and permissions
Springer Nature or its licensor (e.g. a society or other partner) holds exclusive rights to this article under a publishing agreement with the author(s) or other rightsholder(s); author self-archiving of the accepted manuscript version of this article is solely governed by the terms of such publishing agreement and applicable law.
About this article
Cite this article
Ginapp, C., Aminawung, J.A., Harper, A. et al. Exploring the Relationship between Debt and Health after Incarceration: a Survey Study. J Urban Health 100, 181–189 (2023). https://doi.org/10.1007/s11524-022-00707-6
Accepted:
Published:
Issue Date:
DOI: https://doi.org/10.1007/s11524-022-00707-6