Why does "only 3000 a month" turn into years of payments, and how do microloans become a trap by the age of 19? This lecture will explore the psychology and social triggers of loans, teach financial awareness, and show how to protect yourself and your loved ones from living in debt. A loan is not just a tool, but a part of our everyday life. For some, it is an opportunity; for others, it is a trap. It is especially easy to fall into it in youth when you want everything at once: a new gadget, a trip, fashionable clothes. But often behind the words "only 3000 a month" lies years of bondage and the feeling that money is slipping through your fingers. In the lecture "The Mathematics of Loans. Life in Debt," you will find an honest and useful conversation about financial literacy. Ekaterina Sirotina, an accountant and financial advisor, will explain how loans affect your long-term well-being, while psychologist Maria Piskunova will help you understand why we so often make impulsive purchases and feel guilty about debts. You will learn what psychological and social mechanisms drive us to live beyond our means: from advertising and environment to bloggers creating an image of a "successful" life. You will understand how the urgency effect works and how the brain substitutes real needs with desires. You will see loans from a different angle - as hours of your life spent on payments. What lies behind the habit of "coffee every day," and how can it turn into hundreds of thousands of rubles? The lecture will provide not only food for thought but also concrete tools. You will learn to evaluate purchases not only in rubles but also in working time, discover what simple rules can help avoid a debt trap, and how to support a teenager or young adult if they have already fallen into the microloan trap. This is not just a lecture, but an opportunity to start a dialogue - with yourself, with children, with loved ones - about money, responsibility, and true values. After it, you will look at loans in a completely different way and perhaps for the first time feel confident in your financial future.