Melody Harvey is a Ph.D. candidate at the Pardee RAND Graduate School and an assistant policy researcher at RAND. Her dissertation examines the effects of high school financial education mandates on high-cost borrowing behaviors and postsecondary education decisions among younger, economically vulnerable populations.
Additionally, Harvey is leading a longitudinal study 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. Harvey has significant experience in quantitative analyses, survey methodology, document analyses, and in public policy reviews, formulation, consulting, and analyses. Oftentimes her work has been tailored to policymakers, clients, and research participants as well as academia.
Prior to attending Pardee RAND, Harvey worked as a research consultant, a research assistant, and a survey researcher for several nonprofits serving low-income households and individuals. 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 financially vulnerable Americans.