The Great Recession and Credit Trends across Income Groups

Gene Amromin A · Leslie Moscow McGranahan

25 citations0/0 files storedAmerican Economic Review

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Financial Literacy, Pension, Retirement Analysis Banking stability, regulation, efficiency Housing Market and Economics

Abstract

In this paper, we document trends in credit use across income groups in the period surrounding the Great Recession. We investigate trends in access to different credit markets, including mortgages, home equity, automobiles, and student loans. We disentangle growth rates of new market entrants from the aggregates and analyze overall as well as within-county growth rate differentials across income strata. Our findings may provide insight into the financial well-being of different income groups in the context of the Great Recession.

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2009The Consequences of Mortgage Credit Expansion: Evidence from the U.S. Mortgage Default Crisis *2010Fault lines: how hidden fractures still threaten the world economy 2012Student Loans: Do College Students Borrow Too Much—Or Not Enough?

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