NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Early and Late Human Capital Investments, Borrowing Constraints, and the Family

Elizabeth M. Caucutt, Lance Lochner

NBER Working Paper No. 18493
Issued in October 2012

---- Acknowledgements -----

For helpful comments, we thank Flavio Cunha, Rick Hanushek, Jim Heckman, Alex Monge-Naranjo, and Aloysius Siow, as well as participants at the 2002 and 2012 Society of Economic Dynamics Annual Meetings, 2004 Federal Reserve Bank of Cleveland Workshop on Human Capital and Education, CIBC Human Capital Conference, 2011 CESifo Area Conference on Economics of Education, Workshop on Labour Markets and the Macroeconomy, 2011 Canadian Macro Study Group Meeting, Human Capital Conference at ASU, and 2012 AEA Annual Meeting. We also thank seminar participants at the Federal Reserve Banks of Chicago and St. Louis, Universitat of Autonoma de Barcelona, NYU, University of Virginia, Yale University, and the University of Saskatchewan. We gratefully acknowledge support from the Social Sciences and Humanities Research Council of Canada. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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