Antika, R. ., B. T. . Gultom, and D. P. M. . Sitorus. “The Influence of Student Income and Lifestyle on Paylater Services (Case Study on Students of The Economics Education Study Program, HKBP Nommensen University, Pematangsiantar)”. PIJAR: Jurnal Pendidikan Dan Pengajaran, vol. 4, no. 1, Dec. 2025, pp. 489-9, doi:10.58540/pijar.v4i1.1460.