Carly Urban's Research

Published and Forthcoming Papers

Student Loan Information Provision and Academic Choices (with Maximilian Schmeiser and Christiana Stoddard) American Economic Review Papers & Proceedings, May 2016 106(5): 324-328. 

Workplace Financial Education and Retirement Behavior (with J. Michael Collins) Forthcoming at Economic Inquiry

Negative Advertising and Political Competition  (with Amit Gandhi and Daniela Iorio) Forthcoming at the Journal of Law, Economics, and Organization

Winner of the 2016 Oliver E. Williamson Prize for Best Article in Law, Economics and Organization

Local Economic Growth from Primary Election Spending (with Rebecca Lessem) Forthcoming at The Economic Journal

  • Colorado Public Radio Interview here

Servicer Heterogeneity: Do Servicing Practices Influence Loan Cure Rates? (with Carolina Reid and J. Michael Collins) Forthcoming at Housing Policy Debate

Mandatory Mediation and the Renegotiation of Mortgage Contracts  (with J. Michael Collins) The Economic Journal, December 2015, 125(589): 1734-1763. 

Sustaining Homeownership After Delinquency: The Effectiveness of Loan Modifications by Race and Ethnicity (with J. Michael Collins and Carolina Reid) Cityscape: A Journal of Policy Development and Research, November 2015, 17(1)

The Dark Side of Sunshine: Regulatory Oversight and Status Quo Bias  (with J. Michael Collins) Journal of Economics, Behavior, and Organization, November 2014, 107-B: 470-486

Is Smoking Inferior? Evidence from Variation in the Earned Income Tax Credit  (with Donald Kenkel and Maximilian Schmeiser) Journal of Human Resources, October 2014, 49:1094-1120

Dollars on the Sidewalk: Should U.S. Presidential Candidates Advertise in Uncontested States?  (with Sarah Niebler)  American Journal of Political Science, April 2014, 58:2, 322-336

Protecting Homeowners: Foreclosure Counseling Policies and Modifications of Mortgage Terms  (with J. Michael Collins and Maximilian Schmeiser) Journal of Consumer Affairs, July 201347:2289–310

Working Papers

Does Primary Divisiveness Affect the General Election? Evidence from Campaign Contributions (with Sarah Niebler)

  • This Version: November 2014, Revision Resubmitted to the Journal of Public Economics

When the Cat's Away: Payment Behavior During a Foreclosure Moratorium (with J. Michael Collins)

  • This Version: January 2015, Revision Resubmitted to the Journal of Economics, Behavior, and Organization

State Financial Education Mandates and the Credit Behavior of Young Adults (with Alexandra Brown, J. Michael Collins and Maximilian Schmeiser)

The Demography of Credit: Doubling up and Household Credit  (with Alexandra Brown, J. Michael Collins and Maximilian Schmeiser)

  • This Version: May 2015

Student Loans and College Performance  (with Christiana Stoddard)

  • This Version: May 2015

Does Salient Student Loan Information Affect College Students' Academic and Borrowing Behavior? (with Maximilian Schmeiser and Christiana Stoddard)

Work in Progress

  • What does Advertising do? Evidence from Political Price Shifters (with Kenneth Goldstein)