, and institutional apparatus.The current economic structure of federal student loans does not resemble a true credit …

administrative credit panel data, we show that the payment pause led to a sharp drop in student loan payments and delinquencies for … borrowers subject to the debt moratorium, as well as an increase in credit scores. We find a large stimulus effect, as borrowers … to increase borrowing on credit cards, mortgages, and auto loans rather than avoid delinquencies. The effects are …

administrative credit panel data, we show that the payment pause led to a sharp drop in student loan payments and delinquencies for … borrowers subject to the debt moratorium, as well as an increase in credit scores. We find a large stimulus effect, as borrowers … to increase borrowing on credit cards, mortgages, and auto loans rather than avoid delinquencies. The effects are …

administrative credit panel data, we show that the payment pause led to a sharp drop in student loan payments and delinquencies for … borrowers subject to the debt moratorium, as well as an increase in credit scores. We find a large stimulus effect, as borrowers … to increase borrowing on credit cards, mortgages, and auto loans rather than avoid delinquencies. The effects are …

increase debt holdings at age 25 but decrease debt holdings at age 30 by reducing credit card debt. I explore potential … credit constraint channels, but not because they become more averse to debt …

enough credit for college and the extent to which they are able to repay their student debts after. We then discuss optimal … student credit arrangements that balance three important objectives: (i) providing credit for students to access college and …

enough credit for college and the extent to which they are able to repay their student debts after. We then discuss optimal … student credit arrangements that balance three important objectives: (i) providing credit for students to access college and …