Daniel Mangrum joined the Federal Reserve Bank of New York as a research economist in July 2020 after earning a PhD in Economics from Vanderbilt University. His research explores consumer finance and household debt, with particular focus on financial decision-making, student loans, and financial literacy. His recent work has examined federal student loan policies during and after the COVID-19 forbearance period, the effectiveness of required financial education coursework for high school students, the rise of "Buy Now, Pay Later" services and their usage patterns, and the impacts of legalized sports gambling on credit outcomes. His research has received extensive media coverage in outlets including The New York Times, Wall Street Journal, CNBC, the Financial Times, Bloomberg, and NPR.