Consumers took a frugal debt splurge for this holiday season  compared to Christmas 2015 past, MagnifyMoney reported Thursday.

The average family that took on debt added $17 more to last year’s $986—about the price of a Santa Claus tie for dad.

And it was young dads and moms who were most susceptible to taking the plunge into holiday debt—about 14.3 percent did, about double the rate for seniors.

About one-fourth of those who borrowed for the holidays said they should be able to pay off the extra debt in a month while half predicted it would take four months or more.

Despite constant warnings from consumer advocates. holiday payday loans were up double digits from 6 percent in 2015 to 7.1 percent this year.

The results are based on a poll of 553 Americans nationally who said they added debt during the holidays.