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Kluender, Raymond P. Remove Kluender, Raymond P. →

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  • July 2021
  • Article

Medical Debt in the U.S., 2009–2020
By: Ray Kluender, Neale Mahoney, Francis Wong and Wesley Yin
Importance: Medical debt is an increasing concern in the US, yet there is limited understanding of the amount and distribution of medical debt, and its association with health care policies.

Objective: To measure the amount of medical debt nationally and by...  View Details
Keywords: Debt; Borrowing and Debt; Health Care and Treatment; United States
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  • Article

The Economic Consequences of Bankruptcy Reform
By: Tal Gross, Ray Kluender, Feng Liu, Matthew J. Notowidigdo and Jialan Wang
A more generous consumer bankruptcy system provides greater insurance against financial risks but may also raise the cost of credit. We study this trade-off using the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), which increased the costs of...  View Details
Keywords: Bankruptcy; Bankruptcy Abuse Prevention And Consumer Protection Act; Borrowing and Debt; Credit
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  • January 2021 (Revised January 2021)
  • Case

Biobot Analytics
By: Raymond Kluender, Joshua Krieger and Mitchell Weiss
In 2017, Newsha Ghaeli and Mariana Matus were deciding whether to leave their labs at the Massachusetts Institute of Technology, put other job opportunities aside, and dive full-time into founding a wastewater analysis start-up, Biobot. Ghaeli, an architect, and Matus,...  View Details
Keywords: Entrepreneurship; Technology; City; Data and Data Sets; Personal Development and Career; Technology Industry; Utilities Industry; Health Industry; Information Technology Industry; Information Industry; Biotechnology Industry; United States; Kuwait; Korean Peninsula
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  • 2020
  • Working Paper

Bankruptcy and the COVID-19 Crisis
By: Jialan Wang, Jeyul Yang, Benjamin Iverson and Ray Kluender
We examine the impact of the COVID-19 economic crisis on business and consumer bankruptcies in the United States using real-time data on the universe of filings. Historically, bankruptcies have closely tracked the business cycle and contemporaneous unemployment rates....  View Details
Keywords: Bankruptcy; Financial Distress; COVID-19; Insolvency and Bankruptcy; Financial Crisis; Health Pandemics; United States
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  • Other Article

The Worst Part About Getting Sick Isn't Medical Bills
By: Ray Kluender
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  • Article

Myth and Measurement—The Case of Medical Bankruptcies
By: Ray Kluender, Carlos Dobkin, Amy Finkelstein and Matthew Notowidigdo
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  • Article

The Economic Consequences of Hospital Admissions
By: Carlos Dobkin, Amy Finkelstein, Ray Kluender and Matthew Notowidigdo
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  • Article

Beyond Statistics: The Economic Content of Risk Scores
By: Liran Einav, Amy Finkelstein, Ray Kluender and Paul Schrimpf
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