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How useful are default rates? : borrowers with large balances and student loan repayment

Looney, Adam; Yannelis, Constantine - In: Economics of education review 71 (2019), pp. 135-145

Persistent link: https://www.econbiz.de/10012213874

How do individuals repay their debt? : the balance-matching heuristic

Gathergood, John; Mahoney, Neale; Stewart, Neil; Weber, … - 2017

Persistent link: https://www.econbiz.de/10011789168

How did household indebtedness hamper consumption during the recession? : evidence from micro data

Kukk, Merike - In: Journal of comparative economics : the journal of the … 44 (2016) 3, pp. 764-786

Persistent link: https://www.econbiz.de/10011765118

Active choice format and minimum payment warnings in credit card repayment decisions

Salisbury, Linda Court; Zhao, Min - In: Journal of public policy & marketing 39 (2020) 3, pp. 284-304

Persistent link: https://www.econbiz.de/10012534299

The effect of student loan debt on spending : the role of repayment format

Zhang, Yi; Wilcox, Ronald T.; Cheema, Amar - In: Journal of public policy & marketing 39 (2020) 3, pp. 305-318

Persistent link: https://www.econbiz.de/10012534303

What Does Debt Relief Do for Development? Evidence from India???s Bailout Program for Highly-Indebted Rural Households

Kanz, Martin - 2013

This paper studies the impact of a large debt relief program, intended to attenuate investment constraints among highly-indebted households in rural India. It isolates the causal effect of bankruptcy-like debt relief settlements using a natural experiment arising from India's Debt Relief Program...

Persistent link: https://www.econbiz.de/10012557139

Reflections on the US college loans system : lessons from Australia and England

Barr, Nicholas A.; Chapman, Bruce James; Dearden, Lorraine - 2018

design of US student loans. Specifically, loans are organised like a mortgage, with fixed monthly repayments over a fixed … existing and alternative systems. Our illustrations show how US mortgage-style loans can create financial difficulties for a …

Persistent link: https://www.econbiz.de/10011820067

Designed to fail : effects of the default option and information complexity on student loan repayment

Cox, James C.; Kreisman, Daniel; Dynarski, Susan M. - 2018

Persistent link: https://www.econbiz.de/10011978423

How do individuals repay their debt? : the balance-matching heuristic

Gathergood, John; Mahoney, Neale; Stewart, Neil; Weber, … - In: The American economic review 109 (2019) 3, pp. 844-875

Persistent link: https://www.econbiz.de/10011992875

Minimum Payments and Debt Paydown in Consumer Credit Cards

Keys, Benjamin J. - 2016

Using a dataset covering one quarter of the U.S. general-purpose credit card market, we document that 29% of accounts regularly make payments at or near the minimum payment. We exploit changes in issuers' minimum payment formulas to distinguish between liquidity constraints and anchoring as...

Persistent link: https://www.econbiz.de/10012455938