The American Bankruptcy Institute (ABI - pictured) journal has published an interesting article entitled "The Class of 2008: The Great Recession and the American Debtor". The article is drafted by Leslie Linfield of the Institute for Financial Literacy. It contains a number of interesting points on debtor education and US consumer debtor characteristics. See here.
Picture Credit: http://www.stjohns.edu/media/1/b72a9c78ef004d45ba14a01c85791592.jpg