consistent with adverse selection during the pandemic, while we do find advantageous selection. Moreover, life insurance … policyholders were more likely to get vaccinated, thus taking ex-post preventive action reducing their pandemic risk. Such positive …

shock on the use and availability of consumer credit. First, we find that in counties severely affected by the pandemic … increase their outstanding balances. Second, while both local pandemic severity and non-pharmaceutical interventions (NPIs …) have a significantly negative effect on credit use, the pandemic itself is the main driver. Third, we report a drastic …

COVID-19 is an ongoing global outbreak of coronavirus disease 2019, an infectious disease caused by severe acute … respiratory syndrome coronavirus 2 (SARS-CoV-2). The World Health Organization (WHO) declared the outbreak a Public Health … Emergency of International Concern on January 30, 2020; and a pandemic on March 11, 2020.Several mitigation measures have been …

We investigate the effects of different policies implemented during the pandemic on real-time spatial inequalities in … inequality rose during the pandemic and that the Fed's policies did not mitigate this increase. Indeed, although these measures …

May, especially for risky borrowers, balances remain depressed overall. We find a strong negative impact of local pandemic … severity on credit use, which becomes smaller over time, consistent with pandemic fatigue. Restrictive public health … interventions also negatively affect credit use, but the pandemic itself is the main driver. We further document a large reduction …

call “financial aptitude.” Here, we find that Business students with outstanding loans post significantly higher financial … in student loan debt. Thus, in a second survey, we evaluate a similar group of 64 upperclassmen Business students … regarding the student’s upbringing and family background. We find that a student’s upbringing and parents’ education along with …

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 … ISA uptake by 43%. We observe that students are responsive to changes in contract terms and possible student loan …