Table 3 The mediating effect of consumer debt and debt problems on psychological distress, mediated total effects, and average causal mediation effects (ACME)
| Â | Study 1 | Study 2 | Study 3 | |||
|---|---|---|---|---|---|---|
Finland nationwide | Finland social media | US nationwide | ||||
Mediator | SOGS | SOGS-M | SOGS | SOGS-M | SOGS | SOGS-M |
 Consumer debt | ||||||
  Mediated total effect (%) | 5.35% | 4.42% | 48.99% | 31.19% | − 0.23% | − 0.47% |
  ACME | 0.02 | 0.03 | 0.26 | 0.24 | 0.00 | 0.00 |
 Debt problems | ||||||
  Mediated total effect (%) | 0.03% | 0.08% | − 0.32% | − 0.30% | 5.13% | 9.40% |
  ACME | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.06 |