The consumer could have a part time job, for example in a bar or a shop, on a low income.Disposable income spent on drinking, smoking, socialising, clothes, dvds, books, essentials.
They would typically have loans from the government to pay for accommodation, tuition fees, and possibly overdrafts.
Image one - http://img.timeinc.net/time/daily/2007/0705/lgupta_0507.jpg
Image two - http://www.hamburg-tourism.de/uploads/pics/Shopping_Freundinnen2_568_01.jpg
Image three - http://media.collegepublisher.com/media/paper1241/stills/8nc43fc7.jpg
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