This dissertation studies questions in macroeconomics focusing on consumer finance and default using quantitative methods. It contains three self-contained chapters. Chapter 1 is titled “Credit Card and Payday Loan Borrowing: Evidence in the SCF 2010-2019.” Chapter 2 is titled “The Payday Loan Puzzle: A Credit Scoring Explanation” and is co-authored with Jan Sun. Chapter 3, titled “Consumer Bankruptcy: the Role of Financial Frictions,” studies the role of financial frictions in consumer bankruptcy.
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