Payday Loans Essay

10371 WordsApr 3, 201342 Pages
ESSAYS IN CONSUMER FINANCE: BANKRUPTCY AND FRINGE BANKING By Susan Payne Carter Dissertation Submitted to the Faculty of the Graduate School of Vanderbilt University in partial fulfillment of the requirements for the degree of DOCTOR OF PHILOSOPHY in Economics May, 2012 Nashville, Tennessee Approved: William J. Collins Paige Marta Skiba Andrew Daughety Jennifer Reinganum Miguel Palacios Copyright © 2012 by Susan Payne Carter All Rights Reserved iii ACKNOWLEDGEMENTS Throughout my 23 years of formal education, I have been blessed to have guidance from many different teachers, and I wish I had the space to acknowledge them all here. My experience at Vanderbilt has been no different, and since I first arrived on campus, I have always been amazed at how generous the professors at Vanderbilt are in providing their time to help each student improve. I would specifically like to thank my dissertation committee -- William J. Collins, Andrew Daughety, Jennifer Reinganum, and Miguel Palacious -- for providing useful comments, critiques, and advise that was essential for my progress. I am especially grateful to my mentor and advisor, Paige Marta Skiba, for patiently leading me through the dissertation process. Her help along the way was invaluable in guiding me to this point. I would also like to thank my classmates at Vanderbilt for their support throughout our first year of school and the joy they bring to each day during lunch and coffee breaks. Additionally, the Vanderbilt Economics department and the Vanderbilt Social Science Dissertation Fellowship provided financial support throughout my six years of graduate school for which I am extremely grateful. Finally, I would like to thank my family for their love. My parents have been incredibly supportive financially and emotionally in my pursuit of a PhD. My brother, Matthew, and my

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