Whether or not this presents risks is not clear. Retirees are typically captured in these lower income brackets and if this debt is connected with investment property from which they are earning income, it may not be particularly risky.
Graph 5  https://www.rba.gov.au/speeches/2018/sp-ag-2018-09-10.html  7/13  10/09/2018  The Evolution of Household Sector Risks | Speeches | RBA  Another potential source of risk in the distribution of debt is the age of the head of the household.