Melody Harvey is an assistant policy researcher at RAND and recent graduate of the Pardee RAND Graduate School. Her dissertation examined the effects of high school financial education mandates on high-cost borrowing and postsecondary education decisions among younger, economically vulnerable populations.
Harvey is leading longitudinal analyses on the antecedents and evolution of financial overconfidence among young adults, and led quantitative analyses of the impacts of a permanent supportive housing program on service utilization and county departments' net cost expenditures. She has significant experience in quantitative analyses, survey methodology, document analyses, and in public policy reviews, formulation, consulting, and analyses. Often her work has been tailored to policymakers, clients, and research participants as well as academia.
Harvey previously worked as a research consultant, a research assistant, and a survey researcher for several nonprofits serving low-income households and individuals. In addition to her Ph.D., Harvey holds a M.P.P. in economics and state and local policy from Pepperdine University, and a B.A. in economics from Reed College. Her research interests include the impacts of consumer, higher education, and social policies on economically vulnerable Americans.