I am a fifth-year Ph.D. candidate in finance at Indiana University. My research focuses on household finance, especially on the costs and benefits of household debt policies. Prior to joining IU, I obtained an M.S. in Mathematical Finance at Boston University and worked for two years as a quantitative analyst at an asset management firm in Charlottesville, Virginia. I am the recipient of the Ph.D. Award at the 4th Holden Conference in Finance and Real Estate in September 2025.