@article {7215,
	title = {Credit Constraints and Human Capital Investment in College Education},
	journal = {Journal of Family and Economic Issues},
	volume = {29},
	year = {2008},
	pages = {41-54},
	publisher = {29},
	abstract = {Using data from the Health and Retirement Study 2001 Human Capital Investment Survey, this article examines the impact of credit market constraints on investment in college education. The effect of family income on college attendance may not be as big as perceived in some previous studies. The interest rates faced by children from middle families are the lowest in the credit market. The research suggests that various government programs aiming to help children from poor families may be effective, but only at the extensive margin--by improving their access to college education. For those who get into college, underinvestment by students from poor families remains a significant problem.},
	keywords = {Demographics, Income, Net Worth and Assets},
	author = {Cao, Honggao}
}
@article {5623,
	title = {Changes in Wealth for Americans Reaching or Just Past Normal Retirement Age},
	year = {2005},
	institution = {Employee Benefit Research Institute, EBRI Issue Brief No. 277},
	abstract = {This Issue Brief provides a first step in determining how retirees now starting to retire those first to be affected by the shift to lump-sum payments and 401(k) asset accumulation.are managing their wealth. Americans born from 1931 1941 are the focus of this study, since these Americans ranged in age from 51 61 in 1992 (at the beginning of the study period) and had reached age 61 71 by 2002 (the end of the study period). These Americans have been affected by fundamental changes in the employment-based retirement plan market, as fewer people are covered by defined benefit pension plans and more people are covered by defined contribution plans, principally the 401(k) plan. This shift has led to tremendous growth in IRA assets, as workers used these tax-favored savings vehicles to roll over their defined contribution and/or defined benefit assets upon job change or retirement.},
	keywords = {Net Worth and Assets, Retirement Planning and Satisfaction},
	url = {http://www.ebri.org/ibs/},
	author = {Copeland, Craig}
}
