NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

A New Test of Borrowing Constraints for Education

Meta Brown, John Karl Scholz, Ananth Seshadri

NBER Working Paper No. 14879
Issued in April 2009

---- Acknowledgements -----

We are grateful to the National Institutes of Aging and Child Health and Development, and to Bob Hauser and the Center for Demography of Health and Aging at UW-Madison for supporting our work. Seshadri also thanks the Alfred P. Sloan Foundation and Brown thanks the National Science Foundation for financial support. Ben Cowan and Caleb White provided excellent research assistance. We thank Joe Altonji, Lance Lochner, Cecilia Rouse, Todd Stinebrickner, Chris Taber, Arthur van Soest, Michael Waldman, and seminar participants at Brookings, Brown, Chicago, Cornell, Duke, the Federal Reserve Bank of New York, the Fed’s Board of Governors, Iowa State, Johns Hopkins, Maryland, McMaster, NBER, NETSPAR, Northwestern, Purdue, Virginia, Western Ontario, Wharton, and Yale for helpful comments. The views and opinions offered in this paper do not necessarily reflect the position of the Federal Reserve Bank of New York or the Federal Reserve System. 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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