<![CDATA[This study aims to analyze risky credit behavior among university students, focusing on the use of paylater. This behavior is measured through two main indicators: risky borrowing and risky paying. The study used an online survey distributed to 112 student respondents in Sukabumi. The results show that students in Sukabumi have a significant level of risky credit behavior, with the combined average score for the risky borrowing indicators being 57,44%. This behavior is manifested through a strong tendency to be tempted by discounts (67,68%), make impulsive purchases (54,46%), and use paylater without considering their ability to pay (50,18%). For the risky paying, it was found that for the tendency to be late in making payments was 48,57%, while for ignoring fines reached 50,71%. This indicates that a significant portion of students lack discipline in managing their debt obligations. Further analysis shows a significant difference based on gender, where female have higher scores on almost all risky behavior indicators, such as in impulsive purchases (57,46%) and the tendency to ignore fines (55,87%) compared to males. Therefore, it is suggested that university and financial service providers collaborate to improve students' financial literacy, concerning debt management and the consequences of irresponsible credit behavior.]]>
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