Borrowing has become increasingly central to U.S. students' college financing choices. However, concerns about indebtedness may serve as a barrier to attaining a college degree for many students, particularly women and Black and Hispanic students. This study explores the determinants and heterogeneous impacts of debt aversion, or aversion to…

This Data Point uses data from the High School Longitudinal Study of 2009 (HSLS:09). HSLS:09 is a national study of more than 23,000 students in ninth grade in 2009. Students answered surveys between 2009 and 2016. College transcripts were collected in 2017-18. This Data Point looks at the connection between views of college affordability in high…

Queer people continue to feel the effects of queer oppression in higher education and beyond, including unique financial challenges. The price of being queer is troubling in a world ordered around capitalism and heteronormative privilege. The purpose of this paper is to examine the financial landscape for queer students and call for a robust…

This dissertation consists of two chapters studying the importance of household income for shaping student outcomes in the market for higher education in the United States. The first chapter uses the High School Longitudinal Study of 2009 to document that conditional on student ability, high-income students are more likely to enroll in college and…