Corpus ID: 54021322

Much Ado About Nothing ? Evidence Suggests No Adverse Effects of Payday Lending on Military Members October 1 , 2015

@inproceedings{Carter2015MuchAA,
  title={Much Ado About Nothing ? Evidence Suggests No Adverse Effects of Payday Lending on Military Members October 1 , 2015},
  author={S. Carter and William L. Skimmyhorn},
  year={2015}
}
We evaluate the effect that payday loan access has on credit and labor market outcomes of individuals in the U.S. Army. Using the conditional random assignment of servicemembers to different locations, we employ three identification strategies: cross-sectional variation in state policies, within-term variation in payday lending access over time, and a difference-in-difference analysis using the national Military Lending Act. We find few adverse effects of payday loan access on servicemembers… Expand

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