Rose Cove Research
Original consumer research on how people borrow, pay down debt, and make financial decisions.
Money decisions are hard to see from the outside, so we ask people directly. Each Rose Cove study examines one part of how people borrow, pay down debt, and decide. We publish the findings, the methods, and the limits.
Latest study
Too many good options: Nearly 9 in 10 people with debt put off decisions they know they should make
More than a third of people with debt have put off a decision because comparing felt like too much. Here is what would help them move forward.
86%have stalled on a debt decision. Only 70% admit it.
Oct 22, 2026 · We surveyed 1,046 American adults with debt about these decisions.