NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH
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Second Chance: Life without Student Debt

Marco Di Maggio, Ankit Kalda, Vincent Yao

NBER Working Paper No. 25810
Issued in May 2019, Revised in June 2019

---- Acknowledgments ----

We want to thank Equifax Inc. for access to credit bureau data on borrowers including loan and payment amounts, plus employment and income information for a sample of borrowers. We also want to thank Alex Caracuzzo, Barbara Esty, Katherine McNeill, and Kathleen Ryan for invaluable help in collecting the court filings data. For helpful comments, we thank Samuel Hanson, Pascal Noel, Andrei Shleifer, Jialan Wang, conference and seminar participants at Bocconi, Bologna University, Dartmouth (Tuck), Federal Reserve Board, HBS, CSEF Symposium on Economics and Finance, and SFS Cavalcade. The views expressed herein are those of the authors and do not necessarily reflect the opinion of Equifax, Inc. nor of the National Bureau of Economic Research.

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