Levels of youth debt have increased in recent years (see Gabanyi, Hemedinger and Lehner, 2007; Lange, 2004; Lange and Fries, 2006; Lewald and Dannemann, 1999; Schufa Holding AG, 2005; Zimmermann, 2004), becoming a subject of public debate, not only in the media but also in the academic world. Money plays an elementary role in the lives of young people, as social status, popularity and recognition, which at this stage of life are particularly important (Hurrelmann, 2007), depend on the availability of money (see, Lange, 1993, 1997). This situation is compounded by the increasing commercialisation of leisure. Given such a development, the paucity of research into the phenomenon of youth debt is astonishing. In German-speaking countries, no studies to date have focused on the influence of gender as a structural category, and that although there is evidence that it has a major impact on debt behaviour (see, Lange, 2004; BdB, 2003, 2006). The present study seeks to fill that research gap. Drawing on explorative questionnaires / interviews of 1,186 students of both sexes in the 16- to 25-year age range, its results contribute to target group analysis, while moving the didactic debate forward in the fields of nutrition and consumer education in schools. This study builds on and complements basic research. It identifies significant differences both between the sexes and the correlating behaviour patterns, with regard to how debt and excessive debt are incurred.