the effects of increased access to student loans on credit-constrained students' educational attainment, earnings, debt …

, and credit records, to identify the effects of increased student borrowing on credit-constrained students' educational …

ability and college attendance for all income and wealth backgrounds; (ii) the rising importance of family income as a …

markets. These constraints imply cross-sectional patterns for schooling, ability, and family income that are consistent with U … -- schooling relationship for low-income youth. We show that the rising empirical importance of familial wealth and income in …

markets. These constraints imply cross-sectional patterns for schooling, ability, and family income that are consistent with U … -- schooling relationship for low-income youth. We show that the rising empirical importance of familial wealth and income in …