Senior economist at the Consumer Financial Protection Bureau

christa.gibbs@gmail.com 

CV

Research

Refereed Publications

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

Office of Research blog: Initial Fresh Start program changes followed by increased credit scores for affected student loan borrowers  (July 2023)

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

Consumer Credit Reporting Data with Benedict Guttman-Kenney, Donghoon Lee, Scott Nelson, Wilbert van der Klaauw, and Jialan Wang

Changing the Cost of Federal Student Loan Take-up: Evidence from the FFEL To Direct Loan Program Transition

Effects of Removing State Postsecondary Grant Aid Eligibility with Ryne Marksteiner