a credit applicable to any in-state college, up to 29 percent more students would prefer to attend private four …

One in five consumer credit accounts incur late fees each quarter. Evidence on the efficacy of regulations to improve …

explanations are that young workers are credit constrained or that they are averse to holding debt. We find suggestive evidence … credit constraints than with debt aversion …

administrative credit panel data, we show that the payment pause led to a sharp drop in student loan payments and delinquencies for … borrowers subject to the debt moratorium, as well as an increase in credit scores. We find a large stimulus effect, as borrowers … to increase borrowing on credit cards, mortgages, and auto loans rather than avoid delinquencies. The effects are …