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Este artículo analizaos el efecto del ambicioso Programa Vivienda Gratuita de Colombia en Los resultados educativos de los niños, niñas y jóvenes. El programa entrego vivienda gratuita a los beneficiarios a través de un sorteo en áreas deseables. Se evalúa el programa aprovechando los sorteos de viviendas y vinculando a los solicitantes con sus hijos e hijas en edad escolar.

We use a large, randomized controlled trial involving 7,063 late clients of a Colombian private bank to understand whether providing borrowers with text messages containing different types of behavioral nudges to repay their loan improves repayment rates, and which of these nudges is the most effective. The trial leverages several streams of text messages that address different barriers and biases to loan repayment faced by borrowers. We find that receiving a nudge to repay decreases borrowers' average likelihood to be late by 4%.