Tim de Silva
@timdesilva.me
Economist at Stanford GSB and @siepr.bsky.social | Avid Racer
Website: www.timdesilva.me
Website: www.timdesilva.me
Reposted by Tim de Silva
#QJE Nov 2025, #7, “Insurance Versus Moral Hazard in Income-Contingent Student Loan Repayment,” by Tim de Silva (@timdesilva.me): doi.org/10.1093/qje/...
Insurance Versus Moral Hazard in Income-Contingent Student Loan Repayment*
Abstract. Student loans with income-contingent repayment insure borrowers against income risk but can reduce their incentives to earn more. Using a change
doi.org
October 12, 2025 at 12:30 AM
#QJE Nov 2025, #7, “Insurance Versus Moral Hazard in Income-Contingent Student Loan Repayment,” by Tim de Silva (@timdesilva.me): doi.org/10.1093/qje/...
Great paper! Quick question (I might have missed it in the draft). Does Michael study a model with aggregate risk as well and what things look like when we feed in E data directly (or use his belief model) compared to doing Krussell-Smith?
December 5, 2024 at 4:46 PM
Great paper! Quick question (I might have missed it in the draft). Does Michael study a model with aggregate risk as well and what things look like when we feed in E data directly (or use his belief model) compared to doing Krussell-Smith?
This is what I told myself when I did poorly in humanities classes :)
December 5, 2024 at 4:19 PM
This is what I told myself when I did poorly in humanities classes :)