Our Team
Urvi Neelakantan
Urvi Neelakantan is a senior policy economist in the Research Department. Prior to joining the Federal Reserve Bank of Richmond in 2010, she was an assistant professor of consumer finance at the University of Illinois at Urbana-Champaign.
Neelakantan's research interests are in consumer finance, labor and demographic economics, and macroeconomics. Her current research examines the relationship between human capital, financial investments, and economic outcomes and well-being across different types of individuals. Neelekantan earned her Ph.D. in economics from the University of Minnesota in 2005.
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Academic Publications
Review of Economic Dynamics, Vol. 51, December 2023: 677-697Previous Version: Working Paper, July 2021, No. 21-11Review of Economic Dynamics, Vol. 47, January 2023: 1-18American Economic Review, Vol. 100, May 2010: 362-367Economic Inquiry, Vol. 48, January 2010: 228-233Journal of Population Economics, Vol. 22, July 2009: 641-663The Journal of Consumer Education, Vol. 26, 2009Economics Letters, Vol. 101, November 2008: 103-105Journal of Consumer Affairs, Vol. 42, Spring 2008: 106-112Journal of Personal Finance, Vol. 6, 2007: 57-75Consumer Interests Annual, Vol. 52, 2006: 410-416
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Books and Book Chapters
"Student Loan Borrowing and Repayment Decisions: Risks and Contingencies" (with Kartik Athreya, Christopher Herrington and Felicia Ionescu) in The Routledge Handbook of the Economics of Education, edited by Brian P. McCall, Routledge, 2021.
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Working Papers
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Bank Publications
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Media Mentions
"Who Has the Most Student Loan Debt?" Money, June 28, 2024.
"Understanding the Black-White Wealth Gap," Speaking of the Economy, April 27, 2022.
"Why Go to a Community College?," Speaking of the Economy, December 15, 2021.
"Beyond Jail: The Economic Consequences of Incarceration," Speaking of the Economy, May 12, 2021.