This dissertation consists of two essays at the intersection of the economics of education and inequality. The first chapter analyzes how increasing levels of student debt affect career and housing choices of bachelor's degree recipients in the United States. Using within-cohort across-school variations in financial aid policies, it shows that…

This current dissertation used case study (Yin, 2018) to examine United States female college students' perceptions of their financial literacy, especially with respect to their debt accumulation and the gender wage gap, at a public, 4-year institution in New Jersey. It answered the following research questions: How are student debt, financial…

Chapter 1 investigates asks the question how do financial frictions affect the type of human capital investments that students make in college? To study this question, I build a novel dataset covering more than 700,000 U.S. students, merging commencement records with address histories, credit bureau records, and professional resumes. I document…