Research
Working Papers
Does State-mandated Financial Education Reduce High School Graudation Rates?, R&R at Economics of Education Review
IZA Disccussion Paper No. 15402
Do High Schools Choose Financial Education Policies Based On Their Neighbors? (with Allison Luedtke), Under Review
IZA Discussion Paper No. 14288
Does State-mandated Financial Education Affect Financial Well-being? (with Jeremy Burke and J. Michael Collins) , R&R at Journal of Money, Credit, and Banking
Supported by the FINRA Investor Education Foundation
Youth Bank Accounts and Later-in-Life Financial and Economic Self-Sufficiency (with J. Michael Collins and Jeff Larrimore)
FEDS Working Paper No. 2021-075
Supported by the BBVA Center for Education and Finance
Literature Review on the Effect of Physical and Mental Health on Financial Well-Being (with Isaac D. Swensen)
IZA Discussion Paper No. 198, link.
Financial Education in High Schools Across America (2019-2020), link
Published and Forthcoming Papers
Housing Assistance and SSI Participation (with Erik Hembre), link accepted at the National Tax Journal
Supported through the University of Wisconsin-Madison's Center for Financial Security through the Social Security Administration
The Effects of Expanding Access to Mental Health Services on SS(D)I Applications and Awards (with Matt Messel and Isaac D. Swensen) , Labour Economics Special Issue on Mental Health and the Labor Market
CFS Issue Brief and draft here.
Partisan Gerrymandering and Turnout (with Daniel B. Jones and Neil Silveus), Journal of Law and Economics, forthcoming
Does Financial Education in High School Affect Retirement Savings in Adulthood? (with Melody Harvey), Journal of the Economics of Ageing, forthcoming
Wharton Pension Research Council Working Paper No. 2022-03 here.
TIAA Institute Research Dialogue No. 185 here.
Do Local House Prices Affect Campaign Contributions? (with Rebecca Lessem and Sarah Niebler), Economics & Politics
Most recent working paper version here.
Financial Education Affects Financial Knowledge and Downstream Behaviors (with Tim Kaiser, Annamaria Lusardi, and Lukas Menkhoff), Journal of Financial Economics
DIW Discussion Paper No. 1864
NBER Working Paper No. 27507
CEPR Discussion Paper No. DP14741
IZA Discussion Paper No. 13178
Personal Belief Exemptions for School-entry Vaccinations, Vaccination Rates, and Academic Achievement (with Nicole Hair and Anja Gruber), Journal of Health Economics 2021, 78:102464.
Most recent working paper version here
IZA Discussion Paper No. 12978
Supported by the Russel Sage Foundation
Pneumococcal Vaccination Mandates for Child Care: Impact of State Laws on Vaccination Coverage at 19-35 Months (with Nicole Hair and Anja Gruber) American Journal of Preventative Medicine 2021, 0749-3797. link
Measuring Financial Well-being over the Lifecourse (with J. Michael Collins) European Journal of Finance Special Issue on Financial Literacy and Responsible Finance in the FinTech Era: Capabilities and Challenges 2020, 26(4-5): 341-359. link
Centre for Responsible Banking & Finance at University of St Andrews School of Management Working Paper 19-013
Exploring the Rise of Mortgage Borrowing among Older Americans (with J. Michael Collins and Erik Hembre) Regional Science and Urban Economics 2020, 83. link
Center for Retirement Research Working Paper 2018-3.
The Effects of Financial Education Graduation Requirements on Postsecondary Financing Decisions (with Christiana Stoddard), Journal of Money, Credit, and Banking 2020, 52(4): 747-776. link
National Endowment for Financial Education Working Paper and corresponding Policy Brief here.
Press Coverage: MONEY, PHYS.org, Value Penguin, Montana State University Communications, CNBC, Wall Street Journal, Philadelphia Business Journal
The Effects of High School Personal Finance Education Policies on Financial Behaviors (with Maximilian Schmeiser, J. Michael Collins, and Alexandra Brown) Economics of Education Review 2020, 78: 101786. link
FEDS Working Paper here: August 2014
Supplemental Information here
Press Coverage: TIME, NY Daily News, Business Wire, Market Watch, Albuquerque Business First, Wall Street Journal, Huffington Post, Montana State University Press Release, badcrdit.org, CDA Press.com, NBC News, Market Watch (2), New York Times, Edelman Financial
FINRA Investor Education Foundation issue brief here
The Effects of a Foreclosure Moratorium on Loan Repayment Behaviors (with J. Michael Collins) Regional Science and Urban Economics 2018, 68: 78-83. link
College Financing Choices and Academic Performance (with Christiana Stoddard and Maximilian Schmeiser) Journal of Consumer Affairs 2018, 52(3): 540-561. link
Perspectives on Evaluation in Financial Education: Landscape, Issues, and Studies (with William Walstad, Carlos J. Asarta, Elizabeth Breitbach, William Bosshardt, Julie Heath, Barbara O'Neill, Jamie Wagner, and Jing Jian Xiao) **second author, Journal of Economic Education 2017, 48(2): 93-112. link
National Endowment for Financial Education White Paper version here.
Does Negative Advertising Affect Giving Behavior? Evidence from Campaign Contributions (with Sarah Niebler) Journal of Public Economics 2017, 146: 15-26. link
Can Targeted Information Affect Academic Performance and Borrowing Behavior for College Students? Evidence from Administrative Data (with Christiana Stoddard and Maximilian Schmeiser) Economics of Education Review 2017, 56(C): 95-109. link
Student Loan Information Provision andd Academic Choices (with Maximilian Schmeiser and Christiana Stoddard) American Economic Review Papers & Proceedings, May 2016, 106(5): 324-328. link
Workplace Financial Education and Retirement Behavior (with J. Michael Collins) Economic Inquiry 2016, 54(4): 1860-1872. link
Draft posted by Center for Financial Security here.
Center for Financial Security Policy Brief here.
Squared Away Boston College blog coverage.
Negative Advertising and Political Competition (with Amit Gandhi and Daniela Iorio) Journal of Law, Economics, and Organization 2016, 32(3): 433-477. link
Winner of the 2016 Oliver E. Williamson Prize for Best Article in Law, Economics and Organization
Demographic Data Sources: here
LSE US Centre Coverage, Chicago Tribune, Bloomberg, Northwest Herald, Hartford Courant
Local Economic Growth from Primary Election Spending (with Rebecca Lessem) The Economic Journal 2016, 126(597): 2147-2172. link
Servicer Heterogeneity: Do Servicing Practice Influence Loan Cure Rates? (with Carolina Reid and J. Michael Collins) Housing Policy Debate 2017, 27(1): 1-27. link
Fisher Center for Real Estate Working Paper
Mandatory Mediation and the Renegotiation of Mortgage Contracts (with J. Michael Collins) The Economic Journal, December 2015, 125(589): 1734-1763. link
Sustaining Homeownership after Delinquency: the Effectiveness of Loan Modifications by Race and Ethnicity (with J. Michael Collins and Carolina Reid) Cityscape: A Journal of Policy Development and Research, November 2015, 17(1). link
The Dark Side of Sunshine: Regulatory Oversight and the Status Quo Bias (with J. Michael Collins) Journal of Economics, Behavior, and Organization, November 2014, 107-B: 470-486. link
Is Smoking Inferior? Evidence from Variation in the Earned Income Tax Credit (with Donald Kenkel and Maximilian Schmeiser) Journal of Human Resources, October 2014, 49:1094-1120. link
NBER Working Paper No. 20097
Dollars on the Sidewalk: Should U.S. Presidential Candidates Advertise in Uncontested States? (with Sarah Niebler) American Journal of Political Science, April 2014, 58:2, 322-336. link
Protecting Homeowners: Foreclosure Counseling Policies and Modifications of Mortgage Terms (with J. Michael Collins and Maximilian Schmeiser) Journal of Consumer Affairs July 2013, 47(2):289–310. link