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 …

analysis in the literature using new data that leverages the merger of two rich datasets: consumer credit records from the New … York Fed’s Consumer Credit Panel (CCP) sourced from Equifax and administrative college enrollment and attainment data from … adverse debt outcomes, and these students experience substantial increases in their credit score and in the affluence of the …

credit bureau and payday loans data. Using this data, we characterize the trajectory of financial strain in the run-up and … judges of varying leniency. We find that eviction negatively impacts credit access and durable consumption for several years …