We evaluate the effects of the 2020 student debt moratorium. Using administrative credit
panel data, we compare borrowers whose loans were frozen to borrowers whose loans …

Households in developing economies have greater access to formal credit today than at any
point in history, owing to the global expansion of microfinance and recent innovations in …

Can financial innovations be offered in the presence of information frictions without
increasing credit risk? We address this question through a randomized experiment with 799 …

Debt moratoria that allow borrowers to postpone loan payments are a frequently used tool
intended to soften the impact of economic crises. We conduct a nationwide experiment with …

How should a monopolistic seller (she) sell an item to a buyer (he), when the buyer's later
demands are affected by the earlier allocations he receives? For example, consider an …

I study the effect of foreclosure delays on labor income and employment outcomes,
exploiting a temporary CFPB rule that restricted servicers from initiating foreclosures. Using …

Debt forbearance policies that allow borrowers to postpone loan payments are a popular
tool to soften the impact of economic downturns and have been used to an unprecedented …

This paper provides evidence on the difficulty of expanding access to credit through large
institutions. We use detailed observational data and a large-scale countrywide experiment to …

Large-scale debt forbearance is a key policy tool in times of economic distress, but it is
challenging to design a targeted program due to information asymmetries between lenders …

This dissertation has three chapters. Each chapter of my thesis studies different topics within
the field of household finance. My research focuses on household finance topics that are …