finds that private sector banks fail to increase their rate of loan approval for individuals with property titles, even though they are on average offered lower interest rates; by contrast, possessing a property title raises approval rates for public sector loans by up to 12%, especially if the title is requested. Another important of Field's research, within which she frequently collaborates with Rohini Pande, revolves around microfinance and entrepreneurship in India. Investigating the relationship between repayment frequency and default on microfinance loans, they find that the repayment schedule, e.g. how often repayments are made, doesn't affect borrowers' default or delinquency, suggesting that more flexible repayment schedules may lower transaction costs without increasing default. In work with Seema Jayachandran, they also find evidence that patriarchic gender norms in India constrain female entrepreneurship, with Muslim women (the sociocultural group with the most restrictions) being unable to benefit from business training. Moreover, together with Benjamin Feigenberg, Field and Pande observe strong economic returns to social interaction, as the frequency of meetings between repayment group members – but not the frequency of repayments – increases their willingness to pool risks and reduces their default rates. Finally, along with John Papp and Natalia Rigol, Field and Pande find that delaying the beginning of the repayment schedule for microloans raises short-run business investment and long-run profits but also raises default rates, suggesting that credits with early repayment discourage investment into illiquid yet high-return business opportunities and may thus stifle microenterprise growth. Other topics of Field's research include the impacts of early marriage and iodine deficiency on schooling attainment, the relationship between educational debt burden and career choice as well as between household bargaining and excess fertility, and the effects of providing health insurance to the informal sector. In work with Attila Ambrus, she finds that each additional year by which marriage is delayed among Bangladeshi women is associated with 0.22 additional years of schooling, a 5.6% higher likelihood to be literate, and that delayed marriage is generally associated with a higher use of preventive health services. Together with Omar Robles and Maximo Torero, Field estimates that giving pregnant women strong iodine supplements increases the schooling by 0.35–0.56 years relative to their siblings and older and younger peers, with the effect being particularly large for girls. In an experiment at NYU Law School, Field finds that offering students a debt-free education doubles law school enrollment rates and