behavioral economics, randomized controlled trial, credit union, payment delinquency, reminders, financial counseling, field experiment
debt management; unsecured debt; field experiment; financial tips; behavioral economics
Tax Refund Delay, PATH Act, Earned Income Tax Credit, Material Hardship, Medical Hardship, Food Insecurity, Unsecured Debt
Retirement, Behavioral Economics, Tax Filing, myRA, Tax Refund, Savings, Field Experiment
gig economy, tax refund, field experiment