Digital Commons Network^™

Student Debt And Declining Retirement Savings, William Elliott, Michal Grinstein-Weiss, Ilsung Nam

Center for Social Development Research

In this study, the authors use the Survey of Consumer Finances (SCF) to determine whether student loan debt is associated with retirement savings. They find that the median 2009 retirement savings amount for households with no outstanding student loan debt ($55,000) is nearly twice as high as it is for households with outstanding student loan debt ($25,000). Further, multivariate statistics indicate that a household with a four-year college graduate, outstanding student loan debt, and median retirement savings ($80,983) in 2007 incurred a loss of 52% of those retirement savings in 2009 contrasted with household with a similar household with no …

Is Student Debt Compromising Homeownership As A Wealth-Building Tool?, William Elliott, Michal Grinstein-Weiss, Ilsung Nam

Center for Social Development Research

In this study, the authors use 2007–2009 Survey of Consumer Finance longitudinal data to examine if having student loans affected home equity during the Great Recession. We find that median 2009 home equity ($90,000) for households with no outstanding student loan debt is twice as high as that of households with outstanding student loan debt ($45,000). Further, multivariate statistics reveal that a household with a college graduate, median 2007 home equity, and student loan debt had $54,334 (40%) less home equity in 2009 than a household with a college graduate, median home equity, and no college debt. The main policy …

Child Development Accounts And College Success: Accounts, Assets, Expectations, And Achievements, Sondra G. Beverly, William Elliott, Michael Sherraden

Center for Social Development Research

Child Development Accounts (CDAs) can contribute to financial preparation for college and the development of a college-bound identity in multiple ways and so increase the likelihood of college success. The pathways from CDAs to college success proposed in this paper are grounded in theory and evidence, but more research on the impact of CDAs is needed.

The Impact Of Family Assets And Debt On College Graduation, Min Zhan, Deidre Lanesskog

Center for Social Development Research

This study examines the influence of family financial assets and debt, both measured during the time of youth’s college enrollment, on the chances of college graduation. Data come from the National Longitudinal Survey of Youth. Results from analyses controlling for a number of student, parental, and institutional characteristics indicate that family assets are positively related to the chances of college graduation among White and Black students; family debt is negatively associated with the odds of college graduation among Black students, but neither family assets nor family debt is related to the chances of college graduation among Hispanic students. Overall, results …

Youth Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, Michael Sherraden, Gina A. N. Chowa, David Ansong, Fred Ssewamala, Margaret S. Sherraden, Li Zhou, Moses Njenga, Joseph Kieyah, Isaac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Orgales Rodriguez, Frederico Merchán, Juan Saavedra

Center for Social Development Research

Youth Savings Patterns and Performance in Colombia, Ghana, Kenya, and Nepal

The Impact Of Family Assets And Debt On College Graduation, Min Zhan, Deidre Lanesskog

Center for Social Development Research

The Impact of Family Assets and Debt on College Graduation

Self-Efficacy Of Beginning Counselors To Counsel Clients In Crisis, Cheryl Sawyer, Michelle L. Peters, Jana Willis

Journal of Counselor Preparation and Supervision

Crisis situations are becoming more and more prevalent in our society today, and as a result, counselors should be aware of the overarching effects of various crisis situations and how they can affect their clients. The purpose of this study was to examine the effect of preparedness on beginning counselors’ levels of self-efficacy and their perceived abilities to handle crisis interventions. A purposeful sample of master’s-level counseling students, enrolled in a Crises Intervention Preparation course for Mental Health Responders, were administered the Counselor’s Self-Efficacy Scale to assess their levels of self-efficacy. Findings indicated that counseling students who studied theoretical strategies …

Impacts Of The Mission Continues Fellowship Program On Post-9/11 Disabled Military Veterans, Their Families, And Their Communities, Monica M. Matthieu, Ian D. Smith, Nancy Morrow-Howell, Amanda Moore Mcbride

Center for Social Development Research

Impacts of the Mission Continues Fellowship Program on Post-9/11 Disabled Military Veterans, Their Families, and Their Communities

Reexamining Impacts Of The Mission Continues Fellowship Program On Post-9/11 Veterans, Their Families, And Their Communities, Monica M. Matthieu, Aaron J. Scheinberg, Nancy Morrow-Howell, Amanda Moore Mcbride

Center for Social Development Research

Reexamining Impacts of the Mission Continues Fellowship Program on Post-9/11 Veterans, Their Families, and Their Communities

The Mission Continues: Reexamining Engagement Of Post-9/11 Veterans In Civic Service, Monica M. Matthieu, Aaron J. Scheinberg, Amanda Moore Mcbride, Nancy Morrow-Howell

Center for Social Development Research

The Mission Continues: Reexamining Engagement of Post-9/11 Veterans in Civic Service

Reexamining Participant Satisfaction With The Mission Continues Fellowship Program For Post-9/11 Veterans, Monica M. Matthieu, Aaron J. Scheinberg, David Rogers, Jessica Varner

Center for Social Development Research

Reexamining Participant Satisfaction With the Mission Continues Fellowship Program for Post-9/11 Veterans

Seed For Oklahoma Kids: Experimental Test Of A Policy Innovation In A Full Population, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Michael Sherraden

Center for Social Development Research

The Center for Social Development at Washington University in St. Louis has implemented an ambitious policy demonstration: SEED for Oklahoma Kids (SEED OK). This initiative uses multiple research methods, including a scientific experiment in a full population, to test a policy innovation. The innovation is providing a Child Development Account (CDA) to all children at birth. In SEED OK, randomly selected newborn children in Oklahoma received a college savings account “seeded” with a $1,000 initial deposit, plus additional components of the SEED OK intervention. This case study describes the multiyear process of designing and implementing SEED OK and sheds light …

The Impact Of Asset Ownership On Future Orientation Of Youth And Their Parents: Evidence From The Youthsave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa

Center for Social Development Research

Future orientation influences a variety of desirable behaviors, but few researchers have studied the impact of economic resources on future orientation. In this study, we investigate whether and how asset ownership influences future orientation of Ghanaian youth and their parents. Results of propensity score models suggest that asset ownership has a positive effect on future orientation of youth and their parents. Ownership of household possessions, including televisions and modes of transportation, contributes to higher levels of future orientation among youth and parents, but livestock ownership has a negative effect on future orientation. Asset ownership provides individuals and households with a …

Visual Demonstration Of Academic Performance And Parental Involvement In Ghana, David Ansong, Gena A. N. Chowa

Center for Social Development Research

Visual Demonstration of Academic Performance and Parental Involvement in Ghana

Savings Patterns And Performance In Colombia, Ghana, Kenya, And Nepal, Lissa Johnson, Yungsoo Lee, Michael Sherraden, Gina A. N. Chowa, David Ansong, Fred Ssewamala, Margaret Sherraden, Li Zou, Moses Njenga, Joseph Kieyah, Isaac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, Juan Saavedra

Center for Social Development Research

Savings Patterns and Performance in Colombia, Ghana, Kenya, and Nepal

How Do Student And School Characteristics Influence Youth Academic Performance In Ghana? A Hierarchical Linear Modeling Of Baseline Data From The Youthsave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa, Yalitza Ramos, David Ansong

Center for Social Development Research

Student and school characteristics are associated with academic performance of high school students. However, few attempts have been made to examine the simultaneous influence of student and school factors on academic performance of youth in sub-Saharan Africa. Using hierarchical linear modeling, we examine student- and school- level predictors of academic performance of Ghanaian junior high school students. As other researchers have found, we note that age and gender are significant predictors of academic performance. Student traits, including academic self-efficacy and commitment to school, are positively associated with math and English scores. Class size and presence of a toilet facility are …

Parental Involvement's Effects On Academic Performance: Evidence From The Youthsave Ghana Experiment, Gina A. N. Chowa, Rainier D. Masa, Jenna Tucker

Center for Social Development Research

Research in developed countries suggests that parental involvement is associated with youth academic success, but little is known about this relationship in developing countries. Further, it is unclear which type of parental involvement may impact the academic performance of youth from developing countries. This study examines whether (a) parental involvement at home and in school are meaningfully different constructs in a population of Ghanaian youth and their parents and (b) parental involvement predicts academic performance. Results suggest that parental involvement is a bidimensional construct consists of home and school involvement. The effect of parental involvement on youth academic performance appears …

Using Balanced Learning Course Design To Reduce Resistance To Diversity Curricula, Misty L. Wall

Social Work Faculty Publications and Presentations

Diversity content is often met with covert and overt resistance in the classroom. Utilisation of a balanced learning model may address classroom resistance. Balanced learning models require ‘backwards’ course planning, equal attention to course content and class process, and a strategic use of cyclical course design to include introduction of new materiel, experience, followed by personal reflection. Using a balanced learning model moves classroom instruction beyond active learning strategies in the classroom, but can present unique challenges for instructors. While not without challenges, utilising a balanced learning model proves useful during course design and delivery of a graduate course on …

Commencement Program 2013, Loma Linda University

Commencement Programs

CONTENTS

1 | Message from the President

3 | 2013 Events of Commencement

5 | The Academic Procession

7 | Significance of Academic Regalia

9 | The Good Samaritan

10 | University History Highlights

12 | Loma Linda University Song - "Healing Love"

13 | The Speakers

23 | The University Honorees

45 | The School Honorees

64 | The Programs

• School of Medicine, 65
• School of Pharmacy, 83
• School of Dentistry, 90
• School of Behavioral Health and School of Religion, 107
• School of Nursing, 120
• School of Pubic Health, 129
• School of Allied Health Professions - Physical Therapy, 145 …

Account Use And Demand For Tax-Refund Savings Vehicles: Evidence From The Refund To Savings Experiment, Michal Grinstein-Weiss, Jenna Tucker, Clinton Key, Krista Holub, Dan Ariely

Center for Social Development Research

Account Use and Demand for Tax-Refund Savings Vehicles: Evidence From the Refund to Savings Experiment

Refund To Savings (R2s): Insight From The Field, 2012, Krista Holub, Michal Grinstein-Weiss, Clinton Key, Dan Ariely

Center for Social Development Research

Refund to Savings (R2S): Insight From the Field, 2012

Saving Behavior In Response To Motivational Prompts: Evidence From The Refund To Savings Experiment, Clinton Key, Michal Grinstein-Weiss, Jenna Tucker, Krista Holub, Dan Ariely

Center for Social Development Research

Saving Behavior in Response to Motivational Prompts: Evidence From the Refund to Savings Experiment

Perceived Impact Of Individual Development Account Participation Among Native Hawaiians, David W. Rothwell, Rashida Bhaiji, Anne Blumenthal

Center for Social Development Research

Indigenous peoples face many social development challenges and the lingering effects of colonization. Income transfer, a traditional social welfare approach designed to raise minimum living standards, has had limited beneficial effects on long-term social conditions. As a complement to income transfer, asset-based approaches to social welfare have resulted in positive effects in the short and long terms. Some Indigenous communities are exploring how asset-based interventions might enhance social development (Hicks, Edwards, Dennis, & Finsel, 2005), but only limited and scattered research describes how they experience asset-building programs. This qualitative descriptive study explores the perceived impact of a large Individual Development …

Research Evidence On The Cyfi Model Of Children And Youth As Economic Citizens, Margaret S. Sherraden, David Ansong

Center for Social Development Research

Research Evidence on the CYFI Model of Children and Youth as Economic Citizens

Relationships Between College Savings And Enrollment, Graduation, And Student Loan Debt, William Elliott Iii, Hyun-A Song, Ilsung Nam

Center for Social Development Research

Relationships Between College Savings and Enrollment, Graduation, and Student Loan Debt

Conceptual Development Of The Cyfi Model Of Children And Youth As Economic Citizens, Margaret S. Sherraden, David Ansong

Center for Social Development Research

Conceptual Development of the CYFI Model of Children and Youth as Economic Citizens

The Perceived Value Of Counselor Preparation For Student Affairs Professionals, Jake J. Protivnak, Matthew J. Paylo, J. Carol Mercer

Journal of Counselor Preparation and Supervision

Student affairs programs share a common goal of developing master’s level professionals for employment in higher education. Approximately one-third of student affairs training programs are counseling-based and half of those programs are accredited by the Council for Accreditation of Counseling and Related Educational Programs (CACREP). However, there is a lack of literature regarding the preparation of student affairs professionals trained in counseling programs and the importance of counselor training to the student affairs profession. Based upon a review of the Council for the Advancement of Standards in Higher Education Professional Standards, CACREP standards, and other related research, this article will …

Small-Dollar Children's Savings Accounts, Income, And College Outcomes, William Elliott, Hyun-A Song, Ilsung Nam

Center for Social Development Research

In this paper, we examine the relationship between children’s small-dollar savings accounts and college enrollment and graduation by asking three important research questions: (a) are children with savings of their own more likely to attend or graduate from college, (b) does dosage (having no account; having basic savings only; or having savings designated for school of less than $1, $1 to $499, or $500 or more) matter, and (c) is designating savings for school more predictive than having basic savings alone? We use propensity score weighted data from the Panel Study of Income Dynamics (PSID) and its supplements to create …

Reducing Student Loan Debt Through Parents’ College Savings, William Elliott, Ilsung Nam

Center for Social Development Research

One policy rationale for promoting Child Development Accounts (CDAs) is that they may help reduce college debt, but no research provides evidence of this. Research does suggest that high-dollar student loans ($10,000 or more) can reduce the probability that lower income students in particular persist in and graduate from college. In this study, we find evidence to suggest that parents’ college savings may reduce the probability that students accrue high-dollar student loan debt across all income levels with the exception of high-income students. Based on this and evidence from separate research on small-dollar children’s savings accounts, we suggest that it …

Testing The “Learning Journey” Of Msw Students In A Rural Program, Misty L. Wall, Will Rainford

Social Work Faculty Publications and Presentations

Using a quasi-experimental one-group, pretest–posttest design with non-random convenience sampling, the researchers assessed 61 advanced standing MSW students who matriculated at a rural intermountain Northwest school of social work. Changes in students' knowledge and attitudes toward lesbian, gay, and bisexual (LGB) people were measured using subscales of the LGB-KASH scale and include knowledge of LGB history, religious conflict, internalized affirmation of LGB people and issues, hatred and violence toward LGB people, and knowledge and attitudes toward extension and exclusion of civil rights for LGB people. Completion of required, highly experiential bridge course content regarding LGB history and experience appears to …