메뉴 건너뛰기




Volumn 95, Issue 4, 2013, Pages 1117-1129

Can self-control explain avoiding free money? Evidence from interest-free student loans

Author keywords

[No Author keywords available]

Indexed keywords


EID: 84886026666     PISSN: 00346535     EISSN: 15309142     Source Type: Journal    
DOI: 10.1162/REST_a_00321     Document Type: Article
Times cited : (50)

References (43)
  • 2
    • 0036581421 scopus 로고    scopus 로고
    • Procrastination, Deadlines, and Performance: Self-Control by Precommitment
    • Ariely, Dan, and KlausWertenbroch, "Procrastination, Deadlines, and Performance: Self-Control by Precommitment," Psychological Science 13 (2002), 219-224
    • (2002) Psychological Science , vol.13 , pp. 219-224
    • Ariely, D.1    Wertenbroch, K.2
  • 3
    • 33645333256 scopus 로고    scopus 로고
    • Tying Odysseus to the Mast: Evidence from a Commitment Savings Product in the Philippines
    • Ashraf, Nava, Dean Karlan, and Wesley Yin, "Tying Odysseus to the Mast: Evidence from a Commitment Savings Product in the Philippines," Quarterly Journal of Economics 121 (2006), 635-672
    • (2006) Quarterly Journal of Economics , vol.121 , pp. 635-672
    • Ashraf, N.1    Karlan, D.2    Yin, W.3
  • 4
    • 33748300839 scopus 로고    scopus 로고
    • Do and Should Financial Aid Packages Affect Students' College Choices?
    • in Caroline M. Hoxby, eds.,(Chicago: University of Chicago Press 2004)
    • Avery, Christopher, and Caroline M. Hoxby, "Do and Should Financial Aid Packages Affect Students' College Choices?" in Caroline M. Hoxby, eds., College Choices: The Economics of Where to Go, When to Go, and How to Pay for It (Chicago: University of Chicago Press, 2004).
    • College Choices: The Economics of Where to Go, When to Go, and How to Pay for It
    • Avery, C.1    Hoxby, C.M.2
  • 6
    • 27144437187 scopus 로고    scopus 로고
    • Does the Fear of Debt Deter Students from Higher Education?
    • Callender, Claire, and Jonathan Jackson, "Does the Fear of Debt Deter Students from Higher Education?" Journal of Social Policy 34 (2005), 509
    • (2005) Journal of Social Policy , vol.34 , pp. 509
    • Callender, C.1    Jackson, J.2
  • 8
    • 11144260866 scopus 로고    scopus 로고
    • For Better orWorse: Default Effects and 401(k) Savings Behavior
    • in David A.Wise, ed., (Chicago: University of Chicago Press
    • Choi, James J. "For Better orWorse: Default Effects and 401(k) Savings Behavior" (pp. 81-121), in David A.Wise, ed., Perspectives on the Economics of Aging (Chicago: University of Chicago Press, 2004).
    • (2004) Perspectives on the Economics of Aging , pp. 81-121
    • Choi, J.J.1
  • 9
    • 84859787297 scopus 로고    scopus 로고
    • Trends in Student Aid 2005
    • College Board, (Princeton, NJ: College Board, 2005)
    • College Board, "Trends in Student Aid 2005" (Princeton, NJ: College Board, 2005)
  • 12
    • 0001967125 scopus 로고
    • Who Defaults on Student Loans? Findings from the National Postsecondary Student Aid Study
    • Dynarski, Mark, "Who Defaults on Student Loans? Findings from the National Postsecondary Student Aid Study," Economics of Education Review 13 (1994), 55-68
    • (1994) Economics of Education Review , vol.13 , pp. 55-68
    • Dynarski, M.1
  • 13
    • 0042920715 scopus 로고    scopus 로고
    • The Behavioral and Distributional Implications of Aid for College
    • Dynarski, Susan, "The Behavioral and Distributional Implications of Aid for College," American Economic Review 92 (2002), 279-285
    • (2002) American Economic Review , vol.92 , pp. 279-285
    • Dynarski, S.1
  • 14
    • 33748799699 scopus 로고    scopus 로고
    • The Cost of Complexity in Federal Student Aid: Lessons from Optimal Tax Theory and Behavioral Economics
    • Dynarski, Susan M., and Judith E. Scott-Clayton, "The Cost of Complexity in Federal Student Aid: Lessons from Optimal Tax Theory and Behavioral Economics," National Tax Journal 59 (2006), 319-356.
    • (2006) National Tax Journal , vol.59 , pp. 319-356
    • Dynarski, S.M.1    Scott-Clayton, J.E.2
  • 15
    • 0142072540 scopus 로고    scopus 로고
    • Peer Effects, Financial Aid and Selection of Students into Colleges and Universities: An Empirical Analysis
    • Epple, Dennis, Richard Romano, and Holger Sieg, "Peer Effects, Financial Aid and Selection of Students into Colleges and Universities: An Empirical Analysis," Journal of Applied Econometrics 18 (2003), 501-525
    • (2003) Journal of Applied Econometrics , vol.18 , pp. 501-525
    • Epple, D.1    Romano, R.2    Sieg, H.3
  • 17
    • 78650179802 scopus 로고    scopus 로고
    • Educational Debt Burden and Career Choice: Evidence from a Financial Aid Experiment at NYU Law School
    • Field, Erica, "Educational Debt Burden and Career Choice: Evidence from a Financial Aid Experiment at NYU Law School," American Economic Journal: Applied Economics 1 (2009), 1-21
    • (2009) American Economic Journal: Applied Economics , vol.1 , pp. 1-21
    • Field, E.1
  • 19
    • 33847679507 scopus 로고    scopus 로고
    • A Dual-Self Model of Impulse Control
    • Fudenberg, Drew, and David K. Levine, "A Dual-Self Model of Impulse Control," American Economic Review 96 (2006), 1449-1476.
    • (2006) American Economic Review , vol.96 , pp. 1449-1476
    • Fudenberg, D.1    Levine, D.K.2
  • 20
    • 84855732007 scopus 로고    scopus 로고
    • Timing and Self-Control
    • Fudenberg, Drew, "Timing and Self-Control," Econometrica 80 (2012), 1-42
    • (2012) Econometrica , vol.80 , pp. 1-42
    • Fudenberg, D.1
  • 21
    • 0001711629 scopus 로고    scopus 로고
    • Temptation and Self-Control
    • Gul, Faruk, and Wolfgang Pesendorfer, "Temptation and Self-Control," Econometrica 69 (2001), 1403-1435
    • (2001) Econometrica , vol.69 , pp. 1403-1435
    • Gul, F.1    Wolfgang, P.2
  • 24
    • 84886065616 scopus 로고    scopus 로고
    • Explaining Rising Income and Wage Inequality among the College Educated
    • Hoxby, Caroline M., and Bridget Terry Long, "Explaining Rising Income andWage Inequality among the College Educated," NBER working paper 9482 (1999).
    • (1999) NBER working paper 9482
    • Hoxby, C.M.1    Long, B.T.2
  • 26
    • 33646740728 scopus 로고    scopus 로고
    • A Quasi-Experimental Estimate of the Impact of Financial Aid on College-Going
    • Kane, Thomas J., "A Quasi-Experimental Estimate of the Impact of Financial Aid on College-Going," NBER working papers 9703 (2003).
    • (2003) NBER working papers 9703
    • Kane, T.J.1
  • 27
    • 21144484939 scopus 로고
    • An Analysis of the Probability of Default on Federally Guaranteed Student Loans, this review
    • Knapp, Laura Greene, and Terry G. Seaks, "An Analysis of the Probability of Default on Federally Guaranteed Student Loans," this review 74 (1992), 404.
    • (1992) , vol.74 , pp. 404
    • Knapp, L.G.1    Seaks, T.G.2
  • 28
    • 0038969032 scopus 로고    scopus 로고
    • Golden Eggs and Hyperbolic Discounting
    • Laibson, David, "Golden Eggs and Hyperbolic Discounting," Quarterly Journal of Economics 112 (1997), 443-477
    • (1997) Quarterly Journal of Economics , vol.112 , pp. 443-477
    • Laibson, D.1
  • 29
    • 11844291734 scopus 로고    scopus 로고
    • A Debt Puzzle in Philippe Aghion, Roman Frydman, Joseph Stiglitz, and MichaelWoodford, eds., Knowledge, Information, and Expectations in Modern Economics
    • In Honor of Edmund S. Phelps (Princeton
    • Laibson, David, Andrea Repetto, and Jeremy Tobacman, "A Debt Puzzle" (pp. 228-266), in Philippe Aghion, Roman Frydman, Joseph Stiglitz, and MichaelWoodford, eds., Knowledge, Information, and Expectations in Modern Economics: In Honor of Edmund S. Phelps (Princeton, NJ: Princeton University Press, 2003).
    • (2003) NJ: Princeton University Press , pp. 228-266
    • Laibson, D.1    Repetto, A.2    Tobacman, J.3
  • 32
    • 0000126602 scopus 로고
    • Does Student Aid Affect College Enrollment? New Evidence on a Persistent Controversy
    • McPherson, Michael S., and Morton Owen Schapiro, "Does Student Aid Affect College Enrollment? New Evidence on a Persistent Controversy," American Economic Review 81 (1991), 309.
    • (1991) American Economic Review , vol.81 , pp. 309
    • McPherson, M.S.1    Schapiro, M.O.2
  • 34
    • 0032220719 scopus 로고    scopus 로고
    • The Red and the Black: Mental Accounting of Savings and Debt
    • Prelec, Drazen, and George Loewenstein, "The Red and the Black: Mental Accounting of Savings and Debt," Marketing Science, 17 (1998), 4-28
    • (1998) Marketing Science , vol.17 , pp. 4-28
    • Prelec, D.1    Loewenstein, G.2
  • 35
    • 11844283985 scopus 로고    scopus 로고
    • Is There a Daily Discount Rate: Evidence from the Food Stamp Nutrition Cycle
    • Shapiro, Jesse M., "Is There a Daily Discount Rate: Evidence from the Food Stamp Nutrition Cycle," Journal Public Economics 89 (2005), 303-325.
    • (2005) Journal Public Economics , vol.89 , pp. 303-325
    • Shapiro, J.M.1
  • 36
    • 2942735402 scopus 로고    scopus 로고
    • Do Social Security Recipients Smooth Consumption between Checks?
    • '3rd of tha Month'
    • Stephens, Melvin, "'3rd of tha Month': Do Social Security Recipients Smooth Consumption between Checks?" American Economic Review 93 (2003), 406-422
    • (2003) American Economic Review , vol.93 , pp. 406-422
    • Stephens, M.1
  • 37
    • 84963071606 scopus 로고
    • Myopia and Inconsistency in Dynamic Utility Maximization
    • Strotz, Robert H., "Myopia and Inconsistency in Dynamic Utility Maximization," Review of Economic Studies 23 (1955), 165-180.
    • (1955) Review of Economic Studies , vol.23 , pp. 165-180
    • Strotz, R.H.1
  • 39
    • 0000538440 scopus 로고
    • Mental Accounting and Consumer Choice
    • Thaler, Richard
    • Thaler, Richard, "Mental Accounting and Consumer Choice," Marketing Science 4 (1985), 199-214. Thaler, Richard
    • (1985) Marketing Science , vol.4 , pp. 199-214
    • Thaler, R.1
  • 40
    • 0000396047 scopus 로고
    • Anomalies: Saving, Fungibility, and Mental Accounts
    • "Anomalies: Saving, Fungibility, and Mental Accounts," Journal of Economic Perspectives 4 (1990), 193-205
    • (1990) Journal of Economic Perspectives , vol.4 , pp. 193-205
  • 41
    • 0000809570 scopus 로고
    • An Economic Theory of Self-Control
    • Thaler, Richard H., and H. M. Shefrin, "An Economic Theory of Self-Control," Journal of Political Economy 5 (89) (1981), 392-406.
    • (1981) Journal of Political Economy , vol.5 , Issue.89 , pp. 392-406
    • Thaler, R.H.1    Shefrin, H.M.2
  • 42
    • 0036851629 scopus 로고    scopus 로고
    • van der Klaauw, Wilbert, Estimating the Effect of Financial Aid Offers on College Enrollment: A Regression-Discontinuity Approach
    • U.S. Department of Education, Federal Student Aid Handbook
    • U.S. Department of Education, "Federal Student Aid Handbook" (2003). van der Klaauw, Wilbert, "Estimating the Effect of Financial Aid Offers on College Enrollment: A Regression-Discontinuity Approach," International Economic Review 43 (2002) 1249-1287.
    • (2003) International Economic Review , vol.43 , Issue.2002 , pp. 1249-1287
  • 43
    • 84855472171 scopus 로고    scopus 로고
    • Debt Aversion as Self-Control: Consumer Self-Management of Liquidity Constraints
    • INSEAD working paper
    • Wertenbroch, Klaus, Dilip Soman, and Joseph Nunes, "Debt Aversion as Self-Control: Consumer Self-Management of Liquidity Constraints," INSEAD working paper (2001)
    • (2001)
    • Wertenbroch, K.1    Soman, D.2    Nunes, J.3


* 이 정보는 Elsevier사의 SCOPUS DB에서 KISTI가 분석하여 추출한 것입니다.