John Karl Scholz

University of Wisconsin - Madison
Department of Economics
1180 Observatory Drive
Madison, WI 53706
Tel: 608/262-5380
Fax: 608/263-3876

E-Mail: EmailAddress: hidden: you can email any NBER-related person as first underscore last at nber dot org
NBER Program Affiliations: CH , ED , PE
NBER Affiliation: Research Associate
Institutional Affiliation: University of Wisconsin at Madison

NBER Working Papers and Publications

May 2011An Assessment of the Effectiveness of Anti-Poverty Programs in the United States
with Yonatan Ben-Shalom, Robert A. Moffitt: w17042

Published: An Ass ess m ent of th e Ef fe ct ivenes s of Ant i- Povert y Programs in t he Un it ed S ta te s. In Oxfor d Han dboo k of t he Econ om ic s of Povert y, ed. P. J ef fe rs on, Ox for d Uni versi ty Pre ss, 201 2 ( wit h Y. Be n- Shal om and J .K . Scho lz).

August 2010Trends in the Level and Distribution of Income Support
with Robert Moffitt
in Tax Policy and the Economy, Volume 24, Jeffrey R. Brown, editor
November 2009Trends in the Level and Distribution of Income Support
with Robert A. Moffitt: w15488
April 2009A New Test of Borrowing Constraints for Education
with Meta Brown, Ananth Seshadri: w14879

Published: Meta Brown & John Karl Scholz & Ananth Seshadri, 2012. "A New Test of Borrowing Constraints for Education," Review of Economic Studies, Oxford University Press, vol. 79(2), pages 511-538. citation courtesy of

January 2006Examining the Effect of the Earned Income Tax Credit on the Labor Market Participation of Families on Welfare
with V. Joseph Hotz: w11968
February 2004Are Americans Saving "Optimally" for Retirement?
with Ananth Seshadri, Surachai Khitatrakun: w10260

Published: Scholz, John Karl, Ananth Seshadri and Surachai Khitatrakun. "Are Americans Saving 'Optimally' For Retirement?," Journal of Political Economy, 2006, v114(4,Aug), 607-643. citation courtesy of

June 2001Do Estate and Gift Taxes Affect the Timing of Private Transfers?
with B. Douglas Bernheim, Robert J. Lemke: w8333

Published: Bernheim, B. Douglas, Robert J. Lemke and John Karl Scholz. "Do Estate And Gift Taxes Affect The Timing Of Private Transfers?," Journal of Public Economics, 2004, v88(12,Dec), 2617-2634. citation courtesy of

January 2001The Earned Income Tax Credit
with V. Joseph Hotz: w8078

Published: Moffitt, R. (ed.) Means-Tested Transfer Programs in the U.S. Chicago: University of Chicago Press, 2003.

September 1996The Effects of Tax-Based Saving Incentives On Saving and Wealth
with Eric M. Engen, William G. Gale: w5759

Published: Engen, Eric M., William G. Gale and John Karl Scholz. "The Illusory Effects Of Saving Incentives On Saving," Journal of Economic Perspectives, 1996, v10(4,Fall), 113-138.

July 1996Personal Bankruptcy and Credit Supply and Demand
with Reint Gropp, Michelle White: w5653

Published: Quarterly Journal of Economics (February 1997): 217-251. citation courtesy of

The Effects of Financial Education in the Workplace: Evidence from a Survey of Employers
with Patrick J. Bayer, B. Douglas Bernheim: w5655

Published: Patrick J. Bayer & B. Douglas Bernheim & John Karl Scholz, 2009. "The Effects Of Financial Education In The Workplace: Evidence From A Survey Of Employers," Economic Inquiry, Western Economic Association International, vol. 47(4), pages 605-624, October. citation courtesy of

January 1995The Earned Income Tax Credit and Transfer Programs: A Study of Labor Market and Program Participation
with Stacy Dickert, Scott Houser
in Tax Policy and the Economy, Volume 9, James M. Poterba, editor
January 1993Private Saving and Public Policy
with B. Douglas Bernheim
in Tax Policy and the Economy, Volume 7, James M. Poterba, editor
November 1992Private Saving and Public Policy
with B. Douglas Bernheim: w4215

Published: Tax Policy and the Economy, Edited by James Poterba Volume 7, MIT Press (May 1993): 73-110.

January 1991Consumption Taxation in a General Equilibrium Model: How Reliable are Simulation Results?
with B. Douglas Bernheim, John B. Shoven
in National Saving and Economic Performance, B. Douglas Bernheim and John B. Shoven, editors
1987The Value-Added Tax: A General Equilibrium Look at Its Efficiency and Incidence
with Charles L. Ballard, John B. Shoven
in The Effects of Taxation on Capital Accumulation, Martin Feldstein, editor
The Value-added Tax: A General Equilibrium Look at Its Efficiency and Incidence
with Charles Ballard, John B. Shoven
in Taxes and Capital Formation, Martin Feldstein, editor
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