. Most of the gaps in college attendance and delay are determined by early family factors. Children from better families and … with high ability earn higher returns to schooling. We find only a limited role for tuition policy or family income …

This paper examines the family income?college enrollment relationship and the evidence on credit constraints in post … ability. Long-run factors crystallized in ability are the major determinants of the family income?schooling relationship …

complementarities in skill formation. Investments in the human capital of children should expand relative to investment in older workers …