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This paper empirically and theoretically analyzes the effect of debt reductions that reduce long-term but not short-term obligations. Isolating the effect of future…

W99-2: In spite of warnings to exercise caution when using the Current Population Survey to track trends between 1993 and later years because of major changes since 1994…

W98-8: Homeownership is still a prime goal for Americans, and a rising homeownership rate is good for our country. Families, especially lower-income families, build up…