View analytic
avatar for Melody Harvey

Melody Harvey

Pardee RAND Graduate School
Doctoral Fellow
Santa Monica, CA
Melody Harvey is a recent graduate of the Pardee RAND Graduate School and an assistant policy researcher at RAND Corporation. Her research focuses on effects of consumer, social, and higher education policies on economically vulnerable populations in the United States. Within the context of ACCI, her research interests span financial services and consumer education.

Harvey is currently conducting a study on antecedents and evolution of financial overconfidence in young adults, and is contemplating potential research questions pertaining to effects of financial education using IV approaches. Her dissertation examined the effects of state-mandated financial education on high-cost borrowing and postsecondary education decisions among economically vulnerable young adults. She also explored prevalence of recall bias in financial education.