Senior economist at the Consumer Financial Protection Bureau
christa.gibbs@gmail.com
Refereed Publications
Consumer Credit Reporting Data with Benedict Guttman-Kenney, Donghoon Lee, Scott Nelson, Wilbert van der Klaauw, and Jialan Wang, Journal of Economic Literature (forthcoming)
Health Insurance, Medical Debt, and Financial Well-being with Mike Batty and Ben Ippolito, Health Economics 31, no. 5 (May 2022)
Unlike Medical Spending, Medical Bills In Collections Decrease With Patients’ Age with Mike Batty and Ben Ippolito, Health Affairs 37, no. 8 (July 2018)
Other Research
An analysis of the first seven months of the federal student loan return to repayment with Tom Conkling (November 2024)
Insights from the 2023-2024 Student Loan Borrower Survey with Isabelle Caldwell, Tom Conkling, West Garrett, Cooper Luce, and Michael Murto (November 2024)
Credit card delinquencies are higher than in 2019 because lenders took on more risk with Scott Fulford (August 2024)
Office of Research blog: Update on student loan borrowers as payment suspension set to expire with Tom Conkling (June 2023)
Office of Research blog: Update on student loan borrowers during payment suspension with Tom Conkling (November 2022)
Student loan Borrowers Potentially At-Risk when Payment Suspension Ends with Tom Conkling and Vanessa Jimenez-Read (April 2022)
Quarterly Consumer Credit Trends: Recent trends in debt settlement and credit counseling with Grant Guillory, Vanessa Megaw, and Charles Romeo (July 2020)
The early effects of the COVID-19 pandemic on credit applications with Éva Nagypál and Scott Fulford (May 2020)
CFPB Data Point: Borrower experiences on income-driven repayment with Tom Conkling (November 2018)
CFPB Data Point: Student Loan Repayment (August 2017)
The 2008 HMDA Data: The Mortgage Market During a Turbulent Year with Robert B. Avery, Neil Bhutta, Kenneth P. Brevoort, and Glenn B. Canner, Federal Reserve Bulletin (April 2010)
Work in Progress
Measuring Consumer Credit Conditions with Claire Brennecke, Brian Bucks, Michelle Kambara, Samantha LeBuhn, and Caroline Ratcliffe (April 2025)
Effects of Removing State Postsecondary Grant Aid Eligibility with Ryne Marksteiner