What is a common effect of stress caused by debt?

The common effect of stress caused by debt is the inability to focus. When individuals are under financial stress, particularly due to debt, their mental resources can become compromised. This stress can lead to heightened anxiety and preoccupation with financial worries, which distracts from other tasks or responsibilities. As a result, cognitive functions such as concentration, memory recall, and decision-making processes may deteriorate, making it challenging to focus on work, studies, or personal relationships.

In contrast, the other options suggest outcomes that are typically not associated with debt-related stress. Increased energy is unlikely, as stress often leads to fatigue and exhaustion. Similarly, higher social interactions might decrease, as individuals dealing with financial issues may withdraw from social situations due to embarrassment or anxiety. Lastly, improved financial decisions are not a typical result of debt stress; rather, the pressure can lead to panic and hasty choices, often exacerbating the financial situation. Thus, the impact of debt-related stress is primarily seen in the inability to focus effectively on daily functions and responsibilities.