This paper compares outcomes for borrowers who received face-to-face credit counseling with similarly situated consumers who opted for counseling via the telephone or internet. Counseling outcomes are measured using consumer credit report attributes one or more years following the original...

A variety of consumer credit products have particular notoriety because of their high prices. The products include some small personal loans, pawnbroker loans, payday loans, automobile title loans, and refund anticipation loans. Critics of these credit products see little or no benefit to using...