, studies household and consumer use of credit instruments. It shows how individual consumers and households utilize various …In response to growing interest in household finance, this collection of essays with a foreword by John Y. Campbell … credit alternatives in managing their consumption and savings and suggests areas for future research …

exogenously received a new credit card, without requesting one. Using random variation in the time of receipt we show that …

I provide empirical evidence that the effect of high-cost credit access on household material well-being depends on if … a household is experiencing temporary financial distress. Using detailed data on household consumption and location, as … well as geographic variation in access to high cost payday loans over time, I find that payday credit access improves …