Policy Writing & Blogs

I regularly contribute to the New York Fed's Liberty Street Economics blog, writing on household finance, consumer credit, student loans, and economic trends. My blog posts translate research findings into accessible policy discussions.

View all posts on Liberty Street Economics

2025

Student Loans
May 13, 2025

Student Loan Delinquencies Are Back, and Credit Scores Take a Tumble

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw
Media: NPR, Bloomberg, WaPo, Reuters
Student Loans
March 26, 2025

Credit Score Impacts from Past Due Student Loan Payments

with Crystal Wang
Media: NYT, WSJ, CNN, CNBC, Bloomberg, Reuters
Student Loans
March 26, 2025

Student Loan Balance and Repayment Trends Since the Pandemic Disruption

with Crystal Wang

2024

BNPL
February 14, 2024

How and Why Do Consumers Use "Buy Now, Pay Later"?

with Felix Aidala and Wilbert van der Klaauw
Media: NPR All Things Considered, CNN, Marketwatch, Fortune, CBS News
Auto
February 6, 2024

Auto Loan Delinquency Revs Up as Car Prices Stress Budgets

with Andrew Haughwout, Donghoon Lee, Joelle Scally, Wilbert van der Klaauw, and Crystal Wang

2023

Credit Cards
November 7, 2023

Credit Card Delinquencies Continue to Rise - Who Is Missing Payments?

with Andrew Haughwout, Donghoon Lee, Belicia Rodriguez, Joelle Scally, Wilbert van der Klaauw, and Crystal Wang
Student Loans
October 18, 2023

Borrower Expectations for the Return of Student Loan Repayment

with Raji Chakrabarti, Sasha Thomas, and Wilbert van der Klaauw
Media: POLITICO, Reuters, WSJ, Yahoo Finance
October 18, 2023

An Update on the Health of the U.S. Consumer

with Andrew Haughwout, Donghoon Lee, Jonathan McCarthy, Davide Melcangi, Joelle Scally, and Wilbert van der Klaauw
Media: Bloomberg, Marketwatch
BNPL
September 26, 2023

Who Uses "Buy Now, Pay Later?"

with Felix Aidala and Wilbert van der Klaauw
Media: NYT, FT, CNN, Bloomberg
Mortgage
May 15, 2023

The Great Pandemic Mortgage Refinance Boom

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw
Credit Cards Auto
February 16, 2023

Younger Borrowers Are Struggling with Credit Card and Auto Loan Payments

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw

2022

Credit Cards
November 15, 2022

Balances Are on the Rise - So Who Is Taking on More Credit Card Debt?

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw
Student Loans
September 27, 2022

Revisiting Federal Student Loan Forgiveness: An Update Based on the White House Plan

with Jacob Goss and Joelle Scally
Media: Bloomberg, Reuters, Barrons
Student Loans
August 9, 2022

Three Key Facts from the Center for Microeconomic Data's 2022 Student Loan Update

with Joelle Scally and Crystal Wang
Media: Bloomberg, FT, Marketwatch
August 2, 2022

Historically Low Delinquency Rates Coming to an End

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw
Mortgage
May 10, 2022

Refinance Boom Winds Down

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw
Student Loans
April 21, 2022

Who Are the Federal Student Loan Borrowers and Who Benefits from Forgiveness?

with Jacob Goss and Joelle Scally
Media: CNBC, WaPo, Fortune, NYT, CBS News
Student Loans
March 22, 2022

Student Loan Repayment during the Pandemic Forbearance

with Jacob Goss and Joelle Scally
Media: NPR Planet Money, WSJ, Bloomberg, Reuters, NYT
Auto
February 8, 2022

Car Prices Drive Up Borrowing

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw

2021

Credit Cards
November 9, 2021

Credit Card Trends Begin to Normalize after Pandemic Paydown

with Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw