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<xml><bibliography><APA>Warinthip Kumlangphaet. (2025) Debt Management and Savings Planning among the Working-Age Population. &lt;i&gt;Journal of Management Science Nakhon Pathom Rajabhat University&lt;/i&gt;, &lt;i&gt;12&lt;/i&gt;(1), 51-66.</APA><Chicago>Warinthip Kumlangphaet. "Debt Management and Savings Planning among the Working-Age Population". Journal of Management Science Nakhon Pathom Rajabhat University  12 (2025):51-66.</Chicago><MLA>Warinthip Kumlangphaet. Debt Management and Savings Planning among the Working-Age Population. Faculty of Management Science Nakhon Pathom Rajabhat University.:ม.ป.ท. 2025.</MLA></bibliography></xml>
