This appendix provides complete results for the robustness checks discussed in the paper, Spillover Effects of the Opioid Epidemic on Consumer Finance. The paper available at "https://ssrn.com/abstract=3324709" https://ssrn.com/abstract=3324709

Appendix available at "https://ssrn.com/abstract=3324720" https://ssrn.com/abstract=3324720.I examine the impact of the opioid epidemic on subprime auto lending. Using a difference-in-differences framework, I find that county-level increases in opioid abuse cause an increase in loan defaults....

We conduct a survey-based experiment with 2,776 students at a non-profit university to analyze income insurance demand in education financing. We offered students a hypothetical choice: either a federal loan with income-driven repayment or an income-share agreement (ISA), with randomized framing...

"The sophistication of financial decisions varies with age: middle-aged adults borrow at lower interest rates and pay fewer fees compared to both younger and older adults. We document this pattern in ten financial markets. The measured effects cannot be explained by observed risk...