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Working Papers by kartik athreya

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Unsecured Debt with Public Insurance: From Bad to Worse
By Nicole B. Simpson & Kartik Athreya
Working Paper 03-14R
Released: December 2004

In U.S. data, income interruptions, the receipt of public insurance, and the incidence of personal bankruptcy are all closely related. The central contribution of this paper is to evaluate both bankruptcy protection and public insurance in a unified...

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Personal Bankruptcy or Public Insurance?
By Nicole B. Simpson & Kartik Athreya
Working Paper 03-14
Released: November 2003

Bankruptcy and formal public insurance both partially insure households from sharp changes in their income or employment status. Both come at potentially nontrivial societal costs: more bankruptcy results in less credit and/or higher costs of credit,...

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Fresh Start or Head Start? Uniform Bankruptcy Exemptions and Welfare
By Kartik Athreya
Working Paper 03-3R
Released: July 2004

The 1990's witnessed a historically unprecedented number of personal bankruptcy filings. In response, congressional debate over bankruptcy law has recently led to several proposals aimed at making it more difficult to exempt wealth in a bankruptcy. In...

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Fresh Start or Head Start? Uniform Bankruptcy Exemptions and Welfare
By Kartik Athreya
Working Paper 03-3
Released: May 2003

The 1990's witnessed a historically unprecedented number of personal bankruptcy filings. In response, congressional debate over bankruptcy law has recently led to several proposals aimed at making it more difficult to exempt wealth in a bankruptcy. In...

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Risky Higher Education and Subsidies
By Ahmet Akyol & Kartik Athreya
Working Paper 03-2
Released: August 2003

Tertiary education in the U.S. requires large investments that are risky, lumpy, and well-timed. Tertiary education is also heavily subsidized. By making the risk of human capital investment more acceptable, especially to low wealth households, subsidies...

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