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Unequal Distribution of Delinquencies by Gender, Race, and Education

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Abstract

Once again, we utilize multivariate regression analysis and present bar charts for the regression coefficients of interest; these show the correlations between demographics, educational outcomes, and debt delinquencies, controlling for factors such as immigration and visa status, type of high school attended, year of entry to CUNY, and whether a student has a disability, is economically disadvantaged, or is an English language learner. The charts shown below are split into two panels: the upper panel represents results for students who enter CUNY for an associate (AA) degree, while the lower panel depicts results for students who enter CUNY for a bachelors (BA) degree. We will refer to the former group of students as AA students and to the latter group of students as BA students.

Suggested Citation

  • Ruchi Avtar & Rajashri Chakrabarti & Kasey Chatterji-Len, 2021. "Unequal Distribution of Delinquencies by Gender, Race, and Education," Liberty Street Economics 20211117b, Federal Reserve Bank of New York.
    • Handle: RePEc:fip:fednls:93366
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    File URL: https://libertystreeteconomics.newyorkfed.org/2021/11/unequal-distribution-of-delinquencies-by-gender-race-and-education/
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    File URL: https://newyorkfed.org/medialibrary/media/research/blog/2021/2021_LSE_CUNY_Debt_Blogs_data
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    More about this item

    Keywords

    CUNY; debt; mortgage; New York (City) ; inequality; credit cards; student debt; auto;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • Q12 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Micro Analysis of Farm Firms, Farm Households, and Farm Input Markets
    • R10 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - General Regional Economics - - - General

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