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What Will Your Letter Say?
Presentation at Utah Valley University's Commencement, Orem, Utah, May 6, 2022, by Mary C. Daly, President and Chief Executive Officer, Federal Reserve Bank of San Francisco.
Diplomas to Doorsteps: Education, Student Debt, and Homeownership
Evidence overwhelmingly shows that the average earnings premium to having a college education is high and has risen over the past several decades, in part because of a decline in real average earnings for those without a college degree. In addition to high private returns, there are substantial social returns to having a well-educated citizenry and workforce. A new development that may have important longer-term implications for education investment and for the broader economy is a significant change in the financing of higher education. State funding has declined markedly over the past two ...
In Character We Trust
Philadelphia Fed President Patrick T. Harker delivered the commencement address to graduates of the ABA Stonier Graduate School of Banking. The speech focused on the importance of character and integrity for leaders of financial institutions