The level of debt in Sweden is historically high and has risen rapidly in recent years. The increasing indebtedness entails risks, both for individuals and for the society at large. Over-indebtedness is, however, a relatively unexplored area in Sweden. There is a lack of research on social processes linked to over-indebtedness and how they relate to social exclusion in other areas, for example, in the housing market. So far, the research on overindebtedness has suffered from a lack of data and has mainly been based on cross-sectional data and been geographically limited. The project wants to develop the research area by encompassing the whole of Sweden and by adopting a longitudinal perspective. In that way we can better understand the dynamics at the social margin of the Swedish credit market and relate this to other forms of social marginalization.