Research Interests
Improving the economic position of low-income people has been a consistent interest over the years. Recently, my focus has been on efforts to help low-income debtors resolve their debt problems. That resolution might come through a new low-cost bankruptcy procedure, through impartial debt advice or through automatic enrolment in benefit programs. Dealing with the debts of the elderly is an important part of this work, given the increasing debts that the elderly carry.
A related interest is illustrated by a book of essays that I’m editing on the personal debts that citizens owe to governments: criminal justice fines and fees, local taxes and student loans. With an international cast of authors, this will the first book to bring together papers analyzing a range of debts owed to government.

Saul Schwartz

Saul Schwartz


CV: View

Social policy; economics of education; consumer debt; policy evaluation; behavioural economics; labour economics


  • Vandercamp Prize for the Best Paper in Canadian Public Policy for “Who Doesn’t File a Tax Return? A Portrait of Non-Filers” (with Jennifer Robson), 2020

Books & Edited Collections

Oppressed by Debt: Government and the Justice System as a Creditor of the Poor
Canadian Public Policy Administration Special Edition

Media coverage