NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

The Nature of Credit Constraints and Human Capital

Lance J. Lochner, Alexander Monge-Naranjo

NBER Working Paper No. 13912
Issued in April 2008

---- Acknowledgements -----

For their comments, we thank Martin Gervais, Igor Livshits, Jim MacGee, and seminar participants at the University of British Columbia, Univeristy of Carlos III de Madrid, University of Western Ontario, and University of Wisconsin. Lochner acknowledges financial research support from the Social Sciences and Humanities Research Council of Canada. Monge-Naranjo acknowledges financial support from the National Science Foundation. The views expressed herein are those of the author(s) and do not necessarily reflect the views of the National Bureau of Economic Research.

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