Dinerstein, Michael; Yannelis, Constantine; Chen, Ching-Tse - 2023
We evaluate the effects of the 2020 student debt moratorium that paused payments for student loan borrowers. Using … administrative credit panel data, we show that the payment pause led to a sharp drop in student loan payments and delinquencies for … prior delinquencies, who saw no change in credit scores, and we see little effects following student loan forgiveness …