A rapid growth of household debt in Poland has been observed since the beginning of the twenty-first century.
Households more often buy on credit to cover current expenditure and the purchase of durable goods. This
situation makes the household budget appears the item “debt repayment”.
The purpose of the article is the choice of theoretical models which reflect as closely as possible the
distribution of debt repayments (credit and loans) by households. The study included theoretical distributions
used in the analysis of the distribution of wages and income. The most widely used distributions selected for the
purpose of the research were: Burr distribution (type III), log-logistic and log-normal distribution. The
distributions were tested for consistence of estimation of measures of position, variability and inequality of the
empirical distribution of debt repayments. The distributions were tested for consistence of estimation of
measures of position, variability and inequality of the empirical distribution of the debt repayments.
The source data consisted of individual information relating to monthly debt repayments in obtained as part
of the household budget survey in Poland in 2015.