NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Debt Literacy, Financial Experiences, and Overindebtedness

Annamaria Lusardi, Peter Tufano

NBER Working Paper No. 14808
Issued in March 2009

---- Acknowledgements -----

We would like to thank TNS Global and, in particular, George Ravich, Bob Neuhaus, and Ellen Sills-Levy for their willingness to partner with us on this project, and Lauren Cohen, James Feigenbaum, Christopher Malloy, Adair Morse, Annette Vissing-Jorgensen, and participants of the Consumer Finance Workshop, the NBER Summer Institute on Capital Markets and the Economy, Williams College, the European Central Bank conference on Household Finances and Consumption, the Federal Reserve Bank of Chicago Symposium on Connecting Financial Education to Consumers, the Herman Colloquium at the University of Michigan, the American Economic Association Meeting in San Francisco, the George Mason School of Public Policy, and the George Washington School of Business for suggestions and comments. We are grateful to Jan-Emmanuel De Neve and Vilsa Curto for excellent research assistance and to Bill Simpson for his useful comments and advice. This paper was written while Lusardi was a Visiting Scholar at Harvard Business School and she would like to thank Harvard Business School for its hospitality and the FINRA Investor Education Foundation for financial support. Tufano thanks the HBS Division of Research and Faculty Development for financial support for this work. The views expressed herein do not reflect those of TNS Global.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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