Dr. Jose Sepulveda is an Associate Professor of Psychology at the Universidad de La Frontera, Chile. He earned his Licentiate (2007) and Master’s degree (2013) in Psychology from the same institution, and completed his PhD in Psychology at the University of Sheffield, UK, in 2019. Dr. Sepúlveda’s research focuses on consumer behavior, economic psychology, indebtedness, and subjective well-being and has led and contributed to several quantitative studies examining the psychological impact of student and non‑mortgage debt in Chile. Notably, his work on student loan indebtedness demonstrated that such debt can negatively predict life satisfaction, though not necessarily depressive or anxiety symptoms. He has also investigated self‑discrepancy and compulsive buying among Chilean university students, and analyzed mediation models linking financial stress and well‑being in adults. Dr. Sepúlveda currently leads a Fondecyt-funded project on indebtedness and subjective well-being. He teaches research methodology and supervises theses on consumer attitudes, financial behavior, and well-being. His research contributes to a better understanding of the psychological dimensions of economic behavior. His publication record includes peer‑reviewed articles on compulsive buying, student debt, materialism, and financial attitudes. Dr. Sepúlveda’s work contributes to understanding how financial behaviors and indebtedness influence psychological health, shaping bot