ArticleNature human behaviour2024
Inequality in high-cost borrowing and unemployment insurance generosity in US states during the COVID-19 pandemic.
Article in Nature human behaviour, 2024. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 5 papers.
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The abstract states no effect estimate the extractor could read, or names no intervention and outcome on the map, so this paper lights no cell and moves no belief. It is still indexed, cited and linked below.
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Who cites it
5 citing papers in PubMed.
- Unsecured Credit and the Social Safety Net in U.S. States.American sociological review · 2026Article
- Debt Strain and Child Protective Services Involvement.The Social service review · 2025Article
- Inequality in infrastructure access and its association with health disparities.Nature human behaviour · 2025Article
- Example dependent cost sensitive learning based selective deep ensemble model for customer credit scoring.Scientific reports · 2025Article
- Social inequality and cultural factors impact the awareness and reaction during the cryptic transmission period of pandemic.PNAS nexus · 2025Article
Corrections and comments
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Authors and funding
8 authors.
Funding
Abstract
US consumers may turn to the private market for credit when income and government benefits fall short. The most vulnerable consumers have access only to the highest-cost loans. Prior research on trade-offs of credit with government welfare support cannot distinguish between distinct forms of unsecured credit due to data limitations. Here we provide insight on credit-welfare state trade-offs vis-à-vis unemployment insurance generosity by leveraging a large sample of credit data that allow us to separate credit cards, personal loans and alternative financial services loans and to analyse heterogeneity in credit use by household income. We find that more generous state unemployment insurance benefits were associated with a lower probability of high-cost credit use during the first seven quarters of the coronavirus disease 2019 (COVID-19) pandemic. This inverse association was concentrated among consumers living in low-income households. Our results support theories that public benefits are inversely associated with the use of costly credit.
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Registered trials
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