NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Household Debt: Facts, Puzzles, Theories, and Policies

Jonathan Zinman

NBER Working Paper No. 20496
Issued in September 2014

---- Acknowledgements ----

Thanks to Ayushi Narayan for excellent research assistance; to Neil Bhutta, David Laibson, Jialan Wang, and audiences at the Consumer Financial Protection Bureau and the Chicago Benefit-Cost Conference for helpful comments; and to many co-authors (especially Dean Karlan and Victor Stango) for shaping and sharpening my thinking over the years. The views expressed herein are those of the author and do not necessarily reflect the views of the National Bureau of Economic Research.

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