Working papers

How Does the Death of a Partner During the COVID-19 Pandemic Affect the Economic Security of the Surviving Older Adult?  Evidence From Credit Panel and Labor Force Participation Data, with Stephanie Moulton, Donald Haurin, and Cazilia Loibl, September 2023.

US Families' Changing Responses to College Costs: Less Borrowing, More Co-residence, with Zachary Bleemer, Donghoon Lee, and Wilbert van der Klaauw, August 2023.

On the Edge: Social Safety Net Generosity and High-Cost Borrowing during the COVID Pandemic, with Lawrence Berger, Rachel Dwyer, Jason Houle, Stephanie Moulton, and J. Michael Collins, February 2023, revise & resubmit.

Family Law Effects on Divorce, Fertility, and Child Investment, with Christopher Flinn and Jo Mullins, new version May 2023, revise & resubmit. 

Personal Bankruptcy Protection and Household Debt, with Felipe Severino, December 2020, revise & resubmit.

Economic Security of Older Adults during the COVID-19 Crisis: Early Data to Inform Research and Policy, with J. Michael Collins and Stephanie Moulton, University of Madison-Wisconsin RDRC working paper WI20-Q2, 2020. 

Tuition, Jobs, or Housing: What's Keeping Millennials at Home? with Zach Bleemer, Donghoon Lee, and Wilbert van der Klaauw, Federal Reserve Bank of New York Staff Reports No. 700, first version April 2014, this version June 2017.

Work in progress

"Family support for young workers through job loss and social crisis: New insights from matched administrative and credit data," with Rachel Dwyer, Stephanie Moulton, and Sungmin Park

Selected publications

Economics impacts of the COVID-19 crisis: Evidence from credit and debt of older adults, with J. Michael Collins and Stephanie Moulton, Journal of Pension Economics and Finance 2022, 1-19.

Echoes of Rising Tuition in Students' Borrowing, Educational Attainment, and Homeownership in Post-Recession America, with Zach Bleemer, Donghoon Lee, Katherine Strair, and Wilbert van der Klaauw, Journal of Urban Economics v. 122, March 2021.

The Graying of American Debt, with Zachary Bleemer, Donghoon Lee, and Wilbert van der Klaauw. In O.S. Mitchell and A. Lusardi (eds.), Remaking Retirement: Debt in an Aging Economy. Oxford, UK: Oxford University Press,  2020. 

“Financial Education and the Debt Behavior of the Young,” with John Grigsby, Wilbert van der Klaauw, Jaya Wen, and Basit Zafar, Review of Financial Studies, 29(9): 2490-2522, September 2016.

“Do Referrals Lead to Better Matches? Evidence from a Firm’s Employee Referral System,” with Elizabeth Setren and Giorgio Topa, Journal of Labor Economics, 34(1): 161-209, January 2016.

“Do We Know What We Owe? A Comparison of Borrower- and Lender-Reported Consumer Debt,” with Andrew Haughwout, Donghoon Lee and Wilbert van der Klaauw, Economic Policy Review, 21(1): 19-44, October 2015. 

“The Impact of Housing Markets on Consumer Debt: Credit Report Evidence from 1999 to 2012,” with Sarah Stein and Basit Zafar, Journal of Money, Credit, and Banking, 47(S1): 175-213, March/April 2015.

 “A New Test of Borrowing Constraints for Education,” with John Karl Scholz and Ananth Seshadri, Review of Economic Studies, 79(2): 511-538, April 2012.

“Real-Time Search in the Laboratory and the Market,” with Christopher J. Flinn and Andrew Schotter, American Economic Review, 101(2), April 2011.