Аннотация:Nowadays in Russia a strong growth in consumer lending which began in 2017 is taking place. During 2017-2019 the part of consumer loans in the total mass of loans was 57%. In Russia, the fight against poverty is one of the national goals, which determines the relevance of research and mathematical modeling of the debt burden on the population.In this research, we analyze the debt burden on consumer loans using the database of the Russian Longitudinal Monitoring Survey --- Higher School of Economics (RLMS-HSE), which includes data from about 3,000 households from 38 constituent entities of the Russian Federation. The households are divided into those who are inclined to take loans and those who do not need credits. Using a modified Ramsey model, it is possible to reproduce the dynamics of consumer loans, money supply, and the dynamics of deposits over the last decade.