The article explores how access to credit affects college enrollment and civic participation. The researchers found that limited access to credit can explain the gap in schooling attainment between children from richer and poorer families. By analyzing data from loan programs in Chile, they discovered that students who had access to loans had higher enrollment rates and lower dropout rates compared to those without access. This suggests that access to credit plays a significant role in determining who goes to college and can help reduce income disparities between families.