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1979 Creditors Survey adjustable-payment loan adjustable-rate consumer loan adjustable-rate contracts adjustable-rate loan customers adverse selection bias annual percentage rate auto loan rates AVERAGE financial gains AVERAGE financial risks borrowers with adjustable-rate C0NSUMER Charlene Sullivan choice of loan Commercial Bank Consumer consumer choice Consumer Credit CRC 1979 Creditors CRC Adjustable-rate Study Credit Research Center credit risk credit score Creditors Survey MONOGRAPH CURRENT LEVEL direct loan discriminant model distributions economic expectations Exhibit Finance Companies financial risks expecting fixed monthly payments fixed-rate contracts fixed-rate loan customers future inflation GNMA Group II Group Group III Fixed-Rate Groups significantly different high-risk consumers household INC0ME indirect loan customers INFLATI0N interest rate risk L0AN lenders level of confidence lmpact loan contract terms M0NTHLY monthly income monthly obligations nonrespondents percent level Personal Loan Purdue University questionnaire Rate Ceilings rate of inflation real income respondents Revolving Credit risk averse risk preferences S0URCE sample three groups variables West Lafayette