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Direct linkLochner, Lance; Monge-Naranjo, Alexander – National Bureau of Economic Research, 2011
We review studies of the impact of credit constraints on the accumulation of human capital. Evidence suggests that credit constraints are increasingly important for schooling and other aspects of households' behavior. We highlight the importance of early childhood investments, since their response largely determines the impact of credit…
Descriptors: Human Capital, Student Loan Programs, Income, Credit (Finance)
Peer reviewedLochner, Lance; Monge-Naranjo, Alexander – Annual Review of Economics, 2012
We review studies of the impact of credit constraints on the accumulation of human capital. Evidence suggests that credit constraints have recently become important for schooling and other aspects of households' behavior. We highlight the importance of early childhood investments, as their response largely determines the impact of credit…
Descriptors: Human Capital, Credit (Finance), Economic Impact, Evidence
Lochner, Lance J.; Monge-Naranjo, Alexander – National Bureau of Economic Research, 2008
This paper studies the nature and impact of credit constraints in the market for human capital. We derive endogenous constraints from the design of government student loan programs and from the limited repayment incentives in private lending markets. These constraints imply cross-sectional patterns for schooling, ability, and family income that…
Descriptors: Human Capital, Student Loan Programs, Family Income, College Attendance
