Central city neighborhoods in the United States have long been plagued by concentrated poverty, racial segregation, and state-sanctioned disinvestment. In the last several decades, however, another important reality of residential stratification in urban America has emerged: namely, not all low-income neighborhoods stay that way. Modern trends are pointing, in part, to the reconstitution of urban space as a destination for affluent households, a repository for investment capital, and a battleground for the “right to the city” to be claimed and justified. These trends are codified in processes of gentrification that are reshaping the social, racial, economic, and institutional organization of many urban communities nationwide. However, the empirical research on how urban schooling figures into these processes is only beginning to emerge.

Wednesday, November 6, 2019 | 2:00pm – 3:00pm | Norman Hall 1-255
Causes and Consequences of Student Loan Borrowing: Evidence from Multiple Field Experiments. Jointly sponsored with the UF Department of Economics.

Thursday, January 17, 2019 | 12:00pm – 1:00pm | NRN 1-345
This is particularly true when students are making decisions to accept, modify, or decline their federally-guaranteed student loans. Given these complexities, we were interested in the role of defaults and choice architecture on student loan decision-making. Our experimental results indicate that the default choice significantly influenced student loan borrowing.