Bachelor of Science, Wilkes University, 1980. Master of Arts, State University of New York, Binghamton. Doctor of Philosophy, State University of New York, Binghamton, 1985.
Professor economics University Pacific, Stockton, California, since 1985. Visiting associate professor economics Makerere University, Kampala, Uganda, 1999—2000. Senior research economist Federal Housing Finance Agency, Washington, 2006—2007.
Married Michelle M. Amaral, May 28, 2006.