. Yet, despite its importance, educational debt is not well understood. Among the reasons is that there exist few central … analysis of the historical and current levels of student debt and how those loans are performing. We also briefly discuss the …

Debit cards are overtaking credit cards as the most prevalent form of electronic payment at the point of sale, yet the … determinants of a ubiquitous consumer choice - "debit or credit?" - have received relatively little scrutiny. Several stylized …. Principally, the 50 percent of debit-card users who revolve credit-card balances would pay interest to charge purchases on the …

of individuals who are current on their debt. We document that these effects are concentrated at the bottom of the income … new lines of credit and display lower credit scores than individuals who file for bankruptcy. Since bankruptcy filings …

on the residence choices of 1 percent of young Americans with credit reports, observed quarterly for fifteen years in the … Federal Reserve Bank of New York’s Equifax-sourced Consumer Credit Panel (CCP). Steep increases in the rate of living with … student debt changes to the observed changes in young Americans’ living arrangements, we model flows into and out of co …