Rachel E. Dwyer

Rachel E. Dwyer studies how debt, credit, and labor markets shape inequality in the United States, focusing on how factors like race, education, gender, and geography affect people's financial well-being. Her work examines topics such as consumer debt and credit access, job quality and polarization (the growth of both high-paying and low-paying jobs at the expense of middle-tier jobs), and how financial stress affects families, health, and children. Much of this research draws on large-scale U.S. survey and county-level data to track economic disadvantage over time and across social groups.

Publication output has been generally steady to increasing over the last decade, with a lull around 2022-2023 followed by a notable increase in output during 2024-2026.

Generated by claude-sonnet-5 from public bibliographic data · Jul 20, 2026