Research

Working Papers

Financial Education Affects Financial Knowledge and Downstream Behaviors (with Tim Kaiser, Annamaria Lusardi, and Lukas Menkhoff)

Do Local House Prices Affect Campaign Contributions? (with Rebecca Lessem and Sarah Niebler), link

Personal Belief Exemptions for School-entry Vaccinations, Vaccination Rates, and Academic Achievement (with Nicole Hair and Anja Gruber), Revision Requested

Does State-mandated Financial Education Affect Financial Well-being? (with Jeremy Burke and J. Michael Collins)

Youth Bank Accounts and Later-in-Life Financial and Economic Self-Sufficiency (with J. Michael Collins and Jeff Larrimore)

  • Supported by the BBVA Center for Education and Finance

Financial Education in High Schools Across America, link

  • Supported by NextGen Personal Finance

Housing Assistance and SSI Participation (with Erik Hembre)

  • Supported through the University of Wisconsin-Madison's Center for Financial Security through the Social Security Administration


Published and Forthcoming Papers

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


Exploring the Rise of Mortgage Borrowing among Older Americans (with J. Michael Collins and Erik Hembre) Regional Science and Urban Economics 2020, 83. link


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


The Effects of High School Personal Finance Education Policies on Financial Behaviors (with Maximilian Schmeiser, J. Michael Collins, and Alexandra Brown) Forthcoming at Economics of Education Review, 2018. link


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


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


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


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