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Articles by Mathieu Despard
College is still worth it, even with student debt, but we can do better
Postsecondary education increases earnings and has been associated with non-pecuniary benefits for degree earners as well as their communities. However, in the face of rising college sticker prices, ballooning student debt, and an uncertain economy, prospective students and policymakers have increasingly questioned whether college is worth the costs, especially if students take out loans.
Journal of Consumer Affairs | ACCI Consumer Research Journal | Wiley Online Library
CONFLICT OF INTEREST STATEMENT The authors declare no conflicts of interest. REFERENCES & (2003) What explains early withdrawals from retirement accounts? Evidence from a panel of taxpayers. National tax Journal, 56(3), 595–612. , & (2015) Early withdrawals from retirement accounts during the great recession. Contemporary Economic Policy, 33(1), 1–16. (2011) An introduction to propensity score methods for reducing the effects of confounding in observational studies.
Prevention, resolution, or counseling: Testing three approaches to reducing debt payment delinquencies in a large‐scale field experiment
Supporting Information Filename Description joca12597-sup-0001-Appendix.pdfPDF document, 915.8 KB Data S1. Supplementary information. REFERENCES , , & (2008) Learning in the credit card market. National Bureau of Economic Research. & (2002) Procrastination, deadlines, and performance: self-control by precommitment. Psychological Science, 13, 219–224. (2002) Yielding to temptation: self-control failure, impulsive purchasing, and consumer behavior. Journal of Consumer Research, 28, 670–676.
Student Debt Forgiveness and Economic Stability, Social Mobility, and Quality-of-Life Decisions: Results from a Survey Experiment
According to a recent report from the Federal Reserve, the national student debt amount in the third quarter of 2023 was over $1.7 trillion spread across over 43 million borrowers (Board of Governors of the Federal Reserve System, 2023). At the same time, roughly four million student loans enter default each year—affecting millions of borrowers and their families (Hanson 2023).
Promoting Staff Financial Well-Being in Human Service Organizations: The Role of Pay, Benefits, and Working Conditions
ABSTRACT Many U.S. workers struggle with financial challenges. Human service organizations (HSOs) can consider ways to better promote financial well-being among staff, especially lower-wage, frontline workers.
The Best High Interest Savings Accounts Rates of 2023
Find the best savings account for your financial goals based on interest rates (APY), monthly fees, ATM access, and other features. The best savings accounts are more than just places to put your money -- they can also help boost your savings significantly. With highly competitive savings rates and little to no fees, these accounts are our top recommendations for savers who seek to maximize interest earnings on their cash savings.
The Impacts of the 2021 Expanded Child Tax Credit on Family Employment, Nutrition, And Financial Well-Being
The 2021 temporary expansion of the child tax credit (CTC) was unprecedented in its reach, lifting 3.7 million children out of poverty as of December 2021. It provided families with up to $3,600 for every child in the household under the age of six, and up to $3,000 for every child between the ages of 6 and 17. Half the credit was issued monthly between July and December, 2021. Almost all middle- and low-income families with children were eligible for the CTC.
Employee Financial Wellness Programs: Promising New Benefit for Frontline Workers?
Interest among employers is growing in employee financial wellness programs (EFWPs), a new type of benefit to address financial stress among employees. EFWP benefits include financial counseling, small-dollar loans, and savings programs that address employees’ nonretirement financial needs. Little evidence exists concerning the availability and use of and outcomes associated with EFWPs, especially among low- and moderate-income (LMI) workers who may be in the greatest need of these benefits.
Low-income households falling further behind on student debt due to COVID-19
On January 20, 2020, the United States reported its first confirmed case of COVID-19. By March 13, New York City had declared a state of emergency. To better understand the influence of COVID-19 on American household finances, the Social Policy Institute at Washington University in St. Louis conducted a nationally representative survey with approximately 5,500 respondents in all 50 states from April 27 to May 12, 2020.
COVID-19 job and income loss leading to more hunger and financial hardship
A startling indicator of the economic impact of COVID-19 is that unemployment rates reached the highest level since the Great Depression in April. As a result, claims for unemployment benefits have risen dramatically, though millions of people who have lost their jobs have been unable to apply or have had trouble applying for this benefit. Yet these figures do not reveal the extent to which households are struggling financially as a result of a COVID-19 related job loss.
Housing hardships reach unprecedented heights during the COVID-19 pandemic
The United States housing crisis is not new. Even before the coronavirus pandemic, 10-15 percent of households reported being housing insecure. Now, with unemployment at historic highs and more than 20 million individuals out of work, the country’s housing crisis is only getting worse. In April 2020, 1 in 3 Americans did not pay rent, and, despite moratoriums to protect against evictions, renters are still being evicted.
Struggling to Stay Nourished in a Banking Desert
Ensuring physical bank branches are in low-income communities is critical for their fiscal health. If you live in a neighborhood that is saturated with fast-food restaurants and bodegas but does not have a grocery store, you are probably going to find it very difficult to stick to a healthy diet. It would likely be similarly hard to manage your finances and build wealth without a bank branch in your neighborhood.
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