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NATIONAL BUREAU OF ECONOMIC RESEARCH

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NBER Working Papers and Publications

September 2004Education Savings Incentives and Household Saving. Evidence from the 2000 TIAA-CREF Survey of Participant Finances
in College Choices: The Economics of Where to Go, When to Go, and How to Pay For It, Caroline M. Hoxby, editor
February 2003Education Saving Incentives and Household Saving: Evidence from the 2000 TIAA-CREF Survey of Participant Finances
w9505
This paper examines the effects of education saving incentives on the level of private saving by households. Little is known about this subject. One explanation for this gap in the literature is that because education saving incentives are relatively new, data on education saving are not readily available. Using wealth data from a survey of TIAA-CREF participants, this paper attempts to estimate whether saving in education saving programs offsets other household saving. As in the extant literature of the impact of retirement saving programs on household saving, an empirical challenge is how to deal with the issue of saver heterogeneity. In this paper, two strategies are used to address this issue. The first strategy distinguishes savers from non-savers by whether households have an IRA or ...

Published: Hoxby, Caroline M. (ed.) College Choices: The Economics of Where to Go, When to Go, and How to Pay For It. Chicago and London: University of Chicago Press, 2004.

 
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