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Articles by Alvaro A. Mezza
One Month Longer, One Month Later? Prepayments in the Auto Loan Market
Skip to main content The Federal Reserve, the central bank of the United States, provides the nation with a safe, flexible, and stable monetary and financial system. Sections Search Search Submit Button
Implications of Student Loan COVID-19 Pandemic Relief Measures for Families with Children
May 2023 Implications of Student Loan COVID-19 Pandemic Relief Measures for Families with Children Sarena Goodman, Simona Hannon, Adam Isen, Alvaro Mezza Abstract: The initial years of the COVID-19 pandemic and the resulting economic fallout likely posed particular financial strain on U.S. households with children, who faced income disruptions from widespread jobs and hours cuts in addition to new childcare and instruction demands.
Developments in the Credit Score Distribution over 2020
April 30, 2021 Sarena Goodman, Geng Li, Alvaro Mezza, and Lucas Nathe1 The distribution of household credit risk can vary with aggregate economic and credit conditions.
Student Debt Cutting Into Home Ownership Rate
While many factors have influenced the downward slide in the rate of homeownership, some say that the historic levels of student loan debt have been a particular impediment. Indeed, outstanding student loan balances have more than doubled in real terms (to about $1.5 trillion) during the past decade, with average real student loan debt per capita for individuals ages 24 to 32 rising from about $5,000 in 2005 to $10,000 in 2014.
Fed in Print
Board of Governors of the Federal Reserve System (U.S.) On the Effect of Student Loans on Access to Homeownership This paper estimates the effect of student loan debt on subsequent homeownership in a uniquely constructed administrative data set for a nationally representative cohort aged 23 to 31 in 2004 and followed over time, from 1997 to 2010.
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