This paper considers individual-level credit responses after the implementation of work requirements for SNAP benefits. It does so by exploiting county-level variation in the reintroduction of work requirements after the Great Recession. We find that new SNAP work requirements lead more people to seek out new credit and lead to an increase in credit account openings. New work requirements also result in an increase in total outstanding credit balances as well as an increase in past due balances. These findings suggest that individuals are turning to credit and debt products to cover expenses after losing SNAP eligibility.

中文翻译：

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SNAP 工作要求的财务影响

本文考虑了 SNAP 福利工作要求实施后个人层面的信用反应。它通过利用大衰退后重新引入工作要求的县级差异来实现这一目标。我们发现，新的 SNAP 工作要求导致更多的人寻求新的信贷，并导致信用账户开立数量增加。新的工作要求还导致未偿贷方余额总额以及逾期余额的增加。这些发现表明，个人 在失去 SNAP 资格后正在转向信贷和债务产品来支付费用。