JEANNINE AVERSA

WASHINGTON -- The stress from deepening debt is becoming a major pain in the neck -- and the back and the head and the stomach -- for millions of Americans.

When people are dealing with mountains of debt, they're much more likely to report health problems, too, according to an Associated Press-AOL Health poll. And not just little stuff; this means ulcers, severe depression, even heart attacks.

Take Edward Driscoll, 38, of Braintree, Mass. He blames debt -- $10,000 worth -- for contributing to his ulcers and his wife Kimberly's panic attacks. "Just worrying, worrying, worrying, you know, where the next payment of this is going to come from," he says.

Although most people appear to be managing their debts all right, perhaps 10 million to 16 million are "suffering terribly due to their debts, and their health is likely to be negatively impacted," says Paul J. Lavrakas, a research psychologist and AP consultant who analyzed the results of the survey. Those are people who reported high levels of debt stress and suffered from at least three stress-related illnesses, he says.

That finding is supported by medical research that has linked chronic stress to a wide range of ailments.

Among the people reporting high debt stress in the new poll:

•27 percent had ulcers or digestive tract problems, compared with 8 percent of those with low levels of debt stress.

•44 percent had migraines or other headaches, compared with 15 percent.

•29 percent suffered severe anxiety, compared with 4 percent.

•23 percent had severe depression, compared with 4 percent.

•6 percent reported heart attacks, double the rate for those with low debt stress.

•More than half, 51 percent, had muscle tension, including pain in the lower back. That compared with 31 percent of those with low levels of debt stress.

People who reported high stress also were much more likely to have trouble concentrating and sleeping and were more prone to getting upset for no good reason.

It isn't known for certain whether such stress is causing health problems, says Lavrakas, who while at Ohio State University in the late 1990s helped to develop an index to measure the extent to which people are stressed from financial debts.

But medical research suggests that most of the symptoms reported in this poll are indeed typical of chronic stress. The body reacts with a "fight-or-flight" response, releasing adrenaline and the stress hormone cortisol. That helps you react fast in an emergency, but if the body stays in this high gear too long, those chemicals can wreak physical havoc in numerous systems -- everything from a rise in blood pressure and heart rate to problems with memory, mood, digestion, even the immune system.

And no, stress doesn't cause stomach ulcers but it can worsen the pain.

Regardless of the health implications, Americans are taking on more debt. Slowing economic activity, job losses, soaring energy and food prices, slumping home values and record home foreclosures strain many people's budgets.

Revolving consumer debt, almost all from credit cards, now totals $957 billion, compared with $800 billion in 2004, according to the Federal Reserve.

No wonder people are feeling stressed. So, why do they let debt spiral out of control?

A significant life crisis like a major health problem or the loss of a job drives many people into debt. Others build up bills "trying to keep up with the Joneses," according to Patricia Drentea, associate professor of sociology at the University of Alabama at Birmingham, who studies debt and stress.

Indeed, the survey found that upwardly mobile, middle-class families were among those who had the most debt stress. Others were women, couples with small children, low-income working families, Democrats and those who graduated from high school but haven't taken college courses. Those least likely to be stressed from debt include men, retirees, empty-nesters, college graduates and Republicans.

The AP-AOL Health poll involved telephone interviews with 1,002 adults from all states except Alaska and Hawaii and was conducted from March 24 to April 3 by Abt SRBI Inc. The margin of sampling error was plus or minus 3.1 percentage points.