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attainments with respect attending school Aversion and Education Belzil and Hansen certainty equivalent change in risk college graduation Concordia University CORNELL UNIVERSITY LIBRARY counterfactual change degree of relative degree of risk Descriptive Statistics dynamic programming model earnings dispersion Eckstein and Wolpin effect of schooling elasticities of schooling elasticity with respect employment rate dispersion Employment vf enter the labor evaluate Exper2 family income found in Table framework grade level heteroskedastic hourly wage rate human capital increase in earnings intercept terms IZA Discussion Papers Keane and Wolpin labor economics labor market lifetime earnings likelihood function log wage regression low degree market ability mean schooling attainments NLSY Nuclear Family parental transfers react to changes relative risk aversion return to schooling sample school subsidies Section spline Table A2 timated Type Prob q unobserved ability utility of attending variables variance in lifetime wage and employment wage dispersion wage return wage subsidies Wage vf young individuals