Open Access. Powered by Scholars. Published by Universities.®

Digital Commons Network™

Open Access. Powered by Scholars. Published by Universities.®

2023

Discipline
Institution
Keyword
Publication
Publication Type
File Type

Articles 25051 - 25080 of 27089

Full-Text Articles in Entire DC Network

Antecedents Of Investment Decision-Making In Mutual Fund: An Indian Perspective, Som Nath Paul, Rajesh Kumar Upadhyay, -- Ashimagarg Jan 2023

Antecedents Of Investment Decision-Making In Mutual Fund: An Indian Perspective, Som Nath Paul, Rajesh Kumar Upadhyay, -- Ashimagarg

DLSU Business & Economics Review

The growth rate of investments in mutual funds is certainly the most significant phenomenon of present financial markets. Over the years, mutual funds have been a branch whose assets have now become the largest among other financial intermediaries. In this industry, which has focused its attention on marketing, its products have been cut to a wider population. The aim of the present research is to explore the relationship between risk perception and investment decisions in mutual funds. This study is also an attempt to explore the role of expected return in the investment decision of investors in the mutual fund …


Impossibility Of Emergent Works’ Protection In U.S. And Eu Copyright Law, Mateusz Blaszczyk Jan 2023

Impossibility Of Emergent Works’ Protection In U.S. And Eu Copyright Law, Mateusz Blaszczyk

Scholarly Works

Protection of emergent works is impossible. Without an author, there is no expression of ideas which can be original, and thus no copyrightable work. Indeed, the whole system of copyright law, its conceptual building blocks of idea-expression dichotomy, originality, authorship, and the concept of a protectable work operate in the notation of human creativity. Emergent works fall outside of copyright’s positive ontology, being akin to ideas, facts, or subject-matter predicated by technical considerations, rather than authorial creativity. In other words, they do not exist as things in law and thus cannot as such be owned. Rather, like any idea, they …


Art Teaching And American Society: An Exploration Of How Art Makes Us Think And Why America Needs It Right Now, Julie Marie Hammerand Jan 2023

Art Teaching And American Society: An Exploration Of How Art Makes Us Think And Why America Needs It Right Now, Julie Marie Hammerand

Honors Program Theses

The motivation for this thesis comes from my own experience as a learner, an artist, and as a teacher. When I was young, I was always fascinated with the idea of the unknown. Each new piece of knowledge I acquired was a part of the greater puzzle I had yet to understand. As I got older, I understood the value of new perspectives and how each person creates a personal relationship with the world around them. I saw how teaching was the art of bringing a person into and through a new realm of knowledge and thought. Each new realm …


Demographics Of Hospitalized Covid-19 And Influenza Cases In Connecticut During The 2021-2022 Influenza Season: Is There Evidence Of Viral Interference?, Molly Mclaughlin Jan 2023

Demographics Of Hospitalized Covid-19 And Influenza Cases In Connecticut During The 2021-2022 Influenza Season: Is There Evidence Of Viral Interference?, Molly Mclaughlin

Public Health Theses

Since the COVID pandemic began in March 2020, the epidemiology of influenza has changeddramatically in the United States. During the 2021-2022 influenza season in Connecticut, only 262 hospitalized influenza cases were recorded in New Haven and Middlesex Counties from October 2021-June 2022, while there are usually well over 1,000 cases in a single season. While the decline in influenza cases could be due to preventive measures adopted early in the pandemic, viral interference could also be to blame. Viral interference is the process by which infection with one virus transiently protects against infection by another virus via a generalized immune …


Finite Element Analysis And Wear Rate Analysis Of Nano Coated High Speed Steel Tools For Industrial Application, Sami Ullah Khan, Wasim Jamshed Jan 2023

Finite Element Analysis And Wear Rate Analysis Of Nano Coated High Speed Steel Tools For Industrial Application, Sami Ullah Khan, Wasim Jamshed

Babylonian Journal of Mechanical Engineering

Numerous machining process output metrics may be used to evaluate a material's machinability, with tool life unquestionably being the most popular. The rate of tool wear, which is heavily reliant on the current wear mechanisms, determines the tool life in the main. The problem of tool wear needs to be rectified to improve machining quality such as surface roughness and production time. In this study, the thermal barrier coating (TBC) technique on machining tool (HSS) to improve its effectiveness. Utilizing Zirconia and Chromium-based compounds, the HSS tool have been coated. FEA (ANSYS software) was used to examine the material strength …


An Updated Analytical Method For Predicting The Bracing Behavior Of Z-Purlin Supported Standing Seam Diaphragm Systems, Michael W. Seek Jan 2023

An Updated Analytical Method For Predicting The Bracing Behavior Of Z-Purlin Supported Standing Seam Diaphragm Systems, Michael W. Seek

Engineering Technology Faculty Publications

Roof systems utilizing Z-purlins as a secondary member supporting a standing seam panel system are used extensively by the metal building industry. The Z-purlins rely on the diaphragm action in the standing seam panel system to provide lateral support and transfer forces to anchorages. The behavior of the standing seam system is highly nonlinear making prediction of the interaction between the Z-purlin and the standing seam system difficult. To better understand the behavior of the interaction between the purlins and the panel system, a series of non-linear shell finite element models were developed based on the test results of simple …


Cybersecurity And Digital Privacy Aspects Of V2x In The Ev Charging Structure, Umit Cali, Murat Kuzlu, Onur Elma, Osman Gazi Gucluturk, Ahmet Kilic, Ferhat Ozgur Catak Jan 2023

Cybersecurity And Digital Privacy Aspects Of V2x In The Ev Charging Structure, Umit Cali, Murat Kuzlu, Onur Elma, Osman Gazi Gucluturk, Ahmet Kilic, Ferhat Ozgur Catak

Engineering Technology Faculty Publications

With the advancement of green energy technology and rising public and political acceptance, electric vehicles (EVs) have grown in popularity. Electric motors, batteries, and charging systems are considered major components of EVs. The electric power infrastructure has been designed to accommodate the needs of EVs, with an emphasis on bidirectional power flow to facilitate power exchange. Furthermore, the communication infrastructure has been enhanced to enable cars to communicate and exchange information with one another, also known as Vehicle-to-Everything (V2X) technology. V2X is positioned to become a bigger and smarter system in the future of transportation, thanks to upcoming digital technologies …


Teaching Data Acquisition Through The Arduino-Driven Home Weather Station Project, Sheryl Dutton, Kurt Galderisi, Murat Kuzlu, Otilia Popescu, Vukica Jovanovic Jan 2023

Teaching Data Acquisition Through The Arduino-Driven Home Weather Station Project, Sheryl Dutton, Kurt Galderisi, Murat Kuzlu, Otilia Popescu, Vukica Jovanovic

Engineering Technology Faculty Publications

The main objective of this paper is to present one possible way to engage undergraduate students in designing a system that uses the Internet of Things (IoT) strategy for data acquisition and management. The MATLAB home weather station project presented here was developed by a team of students for the senior design course in the Electrical Engineering Technology undergraduate program at Old Dominion University (ODU). The main purpose of this project was for undergraduate students to learn how to create a localized, compact, and precise weather station. Utilizing various sensors, both homemade and sourced online, this weather station is capable …


Development Of A Simevents Model For Printed Circuit Board (Pcb) Assembly Processes, Siqin Dong, Mileta Tomovic, Krishnanand Kaipa Jan 2023

Development Of A Simevents Model For Printed Circuit Board (Pcb) Assembly Processes, Siqin Dong, Mileta Tomovic, Krishnanand Kaipa

Engineering Technology Faculty Publications

Printed circuit boards (PCBs) are the foundational building blocks of most modern electronic devices. PCB assembly is defined as the process of mounting different electronic components on a PCB. Circuit board assembly utilizes an automated technique with most steps completed by machines for different operations (e.g., pick-and-place components, soldering, etc.). In this paper, details of a student course project, carried out at Old Dominion University, on the design and simulation of PCB assembly processes based on MATLAB discrete-event system are presented. An essential component in the advanced manufacturing technology course is the hands-on experience where students implement multiple software simulation …


Measurement Of Fluid Movement Throughout The Brain Via Multiple Magnetic Resonance Imaging Techniques During High-Definition Transcranial Direct Current Stimulation, Jack W. Beaty Mr Jan 2023

Measurement Of Fluid Movement Throughout The Brain Via Multiple Magnetic Resonance Imaging Techniques During High-Definition Transcranial Direct Current Stimulation, Jack W. Beaty Mr

Dissertations and Theses

Transcranial Direct Current Stimulation (tDCS) is a non-invasive method of neuromodulation with applications in neuroscience, clinical care, and biomedical engineering. tDCS has been well established as a safe method of applying low amplitude current between two or more electrodes to alter excitation thresholds and neuroplasticity. Recently, in-vitro and clinical studies have suggested that DC stimulation can induce a transient, polarity-specific, effect of increased water exchange across the blood-brain barrier (BBB). The electroosmotic effect, the proposed phenomenon driving water exchange, is a biophysical response of charged ions moving across an oppositely-charged surface, i.e., the tight junction, when subjected to an electric …


Pakistan, India And The Indus River Basin, Muquadas Ilyas Jan 2023

Pakistan, India And The Indus River Basin, Muquadas Ilyas

Dissertations and Theses

Water is a fundamental need of all living things. The right to clean water is classified as a human right under United Nations Resolution 64/292.As such it is the responsibility of governments to ensure its citizens are not deprived of this essential resource. In doing so, effective water management is crucial to provide clean water that is accessible to everyone regardless of any challenges such as geographical constraints or political disputes. This thesis explores the water management efforts of Pakistan and India. These countries are facing a water crisis, whereby numerous citizens have died due to dehydration and diseases contracted …


Understanding The Impacts Of Freshwater Fluxes On The Biogeochemistry Of The Coastal Arctic: A Case Study Of Prudhoe Bay, Francesca Lingo Jan 2023

Understanding The Impacts Of Freshwater Fluxes On The Biogeochemistry Of The Coastal Arctic: A Case Study Of Prudhoe Bay, Francesca Lingo

Dissertations and Theses

The Arctic region, undergoing significant environmental changes due to rapid warming, faces alterations in air temperatures, melting permafrost, declining sea ice, and changes in riverine inputs. These shifts have profound implications for Arctic coastal ecology and biogeochemical cycles. This study, focusing on Alaska's North Slope, explores the influence of freshwater fluxes on water optical properties, vital for accurate satellite remote sensing interpretations. Our approach combined field measurements, existing data, and satellite remote sensing retrievals to identify biogeochemical gradients and their seasonal and interannual variations. A novel finding was the unique CDOM composition in Prudhoe Bay, characterized by a lower molecular …


Fine Characterization Of Leafing Phenology In The Brazilian Atlantic Forest By Optical And Microwave Remote Sensing, James B. Bell Jan 2023

Fine Characterization Of Leafing Phenology In The Brazilian Atlantic Forest By Optical And Microwave Remote Sensing, James B. Bell

Dissertations and Theses

Tropical forests provide important ecosystem functions in the global biosphere, but they remain among the most poorly understood elements of land surface models, especially with regard to their seasonal dynamics. For instance, in seasonally dry forests, the pattern of the annual green-up in their canopies closely follows annual patterns of rainfall. The same, however, does not occur in wet forest canopies which are dominated by evergreen trees. In the latter, water is not scarce enough to limit leaf photosynthetic function. Canopy leafing phenology in these forests is therefore poorly characterized by optical remote sensing methods which are not sensitive to …


Advancing The Accuracy Of Watershed Analysis Across Diverse Hydrometeorological And Geologic Regimes Via Classification And Analysis Of Gpm-Imerg Products, Jake M. Longenecker Jan 2023

Advancing The Accuracy Of Watershed Analysis Across Diverse Hydrometeorological And Geologic Regimes Via Classification And Analysis Of Gpm-Imerg Products, Jake M. Longenecker

Dissertations and Theses

The analysis and protection of watersheds, along with spring water resources, depend on the accurate identification of catchments. Building on previous research that correlated spring hydrographs with high-resolution, satellite-based Global Precipitation Measurement – Integrated Multi-satellitE Retrievals for GPM (GPM-IMERG) data, I improve the speed and accuracy of catchment identification and hydrodynamic characterization via an enhanced Empirically Constrained Hydrologic Operation (ECHO) algorithm. This research (1) establishes optimal parameter inputs for the algorithm to enable reliable identification of source point-locations, (2) removes human in-the-loop processing, and thus reduce potential operator bias, and (3) explores the potential for using a limited dataset of …


Topological Photonic Metasurfaces For Light Manipulation And Strong Light-Matter Interaction, Svetlana Kiriushechkina Jan 2023

Topological Photonic Metasurfaces For Light Manipulation And Strong Light-Matter Interaction, Svetlana Kiriushechkina

Dissertations and Theses

High-resolution nanopatterning techniques, such as electron beam lithography, extended opportunities for implementation of the various designs of photonic structures which exhibit exciting physical phenomena in the optical domain. A straightforward fabrication of on-slab nanostructures is advantageous for integration with various photonic on-chip devices. Last decade all-dielectric periodic nanostructures (photonic metasurfaces) boost a growth of novel optical technologies, from ultra-sensitive detectors to compact beam structured lasers. Moreover, they represent one of the most promising platforms in which topological phases can be explored and exploited.

Topological photonic structures attract a significant interest owing to their outstanding properties such as a resilience to …


Machine Learning Driven Resource Allocation In Edge Cloud, Arslan Qadeer Dr Jan 2023

Machine Learning Driven Resource Allocation In Edge Cloud, Arslan Qadeer Dr

Dissertations and Theses

Next generation mobile and immersive applications (e.g., Augmented Reality (AR), Virtual Reality (VR), Extended reality (XR)), and Internet of Things (IoTs) provide richer functionalities which possess resource-hungry and real-time constraints. To conserve energy and improve performance of such devices, certain computationally heavy tasks can be executed remotely by offloading them to the back-end cloud (BC) and utilizing its abundant compute resources. However, the long distance between a mobile/IoT device and the BC causes huge network delay, thus, deteriorating the user experience of real-time applications. Edge-cloud (EC) and beyond 5G (B5G) wireless communication are envisioned to cope with the above compute …


Molecular Elucidation Of Reaction Mechanisms In Aluminum & Lithium Metal Batteries By Solid-State Nmr Spectroscopy And Electrochemical Methods, Leo W. Gordon Jan 2023

Molecular Elucidation Of Reaction Mechanisms In Aluminum & Lithium Metal Batteries By Solid-State Nmr Spectroscopy And Electrochemical Methods, Leo W. Gordon

Dissertations and Theses

As society wrestles with the ever-growing climate consequences of burning fossil fuels, the increased demand for electric vehicles and renewable power generation mandates safe, sustainable, earth-abundant, low cost, and energy dense batteries. Different use cases will necessitate different types of batteries; for example, stationary storage systems prioritize minimal expense, whereas mobile applications like electric vehicles emphasize high energy densities. Aluminum and lithium metal batteries hold great promise for next-generation energy storage due to their large specific capacities (2980 mA h g-1, and 3860 mA h g-1, respectively). In particular, aluminum metal is low cost, has high …


Scalable Quantum Compilation Approaches For Reliable Quantum Computing, Vedika Saravanan Jan 2023

Scalable Quantum Compilation Approaches For Reliable Quantum Computing, Vedika Saravanan

Dissertations and Theses

Quantum computing has the potential to revolutionize various industries, from pharmaceuticals to finance and transportation. Unlike classical computers, quantum computers are based on the principles of quantum mechanics and can perform specific calculations exponentially faster than classical computers. However, quantum computing is still in its early stages of development. It faces several challenges, including the high rate of errors and the limited number of qubits in quantum hardware. Therefore, more efficient and scalable methods are needed to translate quantum algorithms into executable forms on a quantum computer. To overcome these challenges, several research efforts are underway to develop scalable noise-aware …


Machine Learning Approach To Predict Tdcs-Induced Electric Current In The Human Brain, Chikako Olsen Jan 2023

Machine Learning Approach To Predict Tdcs-Induced Electric Current In The Human Brain, Chikako Olsen

Dissertations and Theses

Background: Transcranial direct current stimulation (tDCS) is a promising non-invasive method for treating neurological and psychiatric disorders and enhancing cognitive function. However, the underlying mechanisms of tDCS are not fully understood, and there is no ground truth for determining, non-invasively, where in the brain tDCS electrical currents flow. At the same time, effective neuronal engagement from tDCS requires accurate localization of the induced currents to specific brain target regions. Machine Learning (ML) has the potential to significantly improve the accuracy and precision of tDCS current prediction. This study aims to develop a novel approach using ML to predict the location …


Analysis Of Chemical Elements In Basalts Using Mislabeled Data, A Machine Learning Approach, Jenifer Vivar Jan 2023

Analysis Of Chemical Elements In Basalts Using Mislabeled Data, A Machine Learning Approach, Jenifer Vivar

Dissertations and Theses

Scientists use basalt chemistry to discriminate among different tectonic settings. There are well-known chemical elements used to classify tectonic settings. An exploration of new features is done using Logistic Regression and Random Forest to discover any new elements of interest. The models were used with other tools, such as recursive feature elimination and permutations, to increase reliability. Among the scarcely explored chemical elements are Terbium (Tb), Holmium (Ho), Samarium (Sm), and Erbium (Er). The data used for the exploration contained many outliers. Therefore, an ensemble model was created to explore the location and composition of such outliers. The ensemble was …


Exploring Information Leakage In Historical Stock Market Data, Edison Hua Jan 2023

Exploring Information Leakage In Historical Stock Market Data, Edison Hua

Dissertations and Theses

Information leakage is a major concern for traders who want to execute large orders without affecting the market price. In this paper, we explore the sources and effects of information leakage in historical stock market data using various methods and metrics. We first define information leakage as a pattern caused by a trader that would otherwise not occur without the trader’s activity. Using historical data, the direct impact of a potential large trade cannot be measured, but we consider a minimal impact large trade to be one that minimizes changes to the established trading data. We then analyze how information …


Anomaly Based Intrusion Detection System Through Remote Virtual Machine Introspection, Huseyn Huseynov Jan 2023

Anomaly Based Intrusion Detection System Through Remote Virtual Machine Introspection, Huseyn Huseynov

Dissertations and Theses

Research on identifying malicious applications is an important direction in information security, especially when it comes to detection of evasive malware such as keyloggers, trojans, rootkits and their derivatives. Inspired by a biological immune system and based on negative selection algorithm approach to detect various types of malwares is proposed in this paper.

By deeply studying Linux kernel, understanding links behind different internal system processes, examining, and experimenting with hundreds of various keyloggers we propose a single Artificial Intelligence based solution as a comprehensive protection against wide range of malwares. Developed Intrusion Detection System (IDS) can be deployed in the …


Mechanically Driven In Vivo Osteocyte Ca2+ Signaling: Aging And Pharmacologic Effects, James Padgett Jan 2023

Mechanically Driven In Vivo Osteocyte Ca2+ Signaling: Aging And Pharmacologic Effects, James Padgett

Dissertations and Theses

Bone’s ability to respond and adapt to mechanical loading declines significantly with age which is a major contributor to bone fragility. It is widely accepted that osteocytes are the key cells responsible for orchestrating the development of the “ideal” skeleton. This ability is attributed to osteocyte’s role as the primary mechanosensing cell that is responsible for maintaining the skeleton’s integrity throughout life. Recent work from our laboratory has shed light into how osteocytes respond to mechanical loading in vivo. The breakthrough approaches that enabled these discoveries were development of: (1) the first ever reporter mouse model with a genetically encoded …


Optimization Of Optical Nanosensor Response For The Detection Of Anthracyclines Using A Binary Machine Learning Classifier, Myesha Thahsin Jan 2023

Optimization Of Optical Nanosensor Response For The Detection Of Anthracyclines Using A Binary Machine Learning Classifier, Myesha Thahsin

Dissertations and Theses

Pharmacokinetic variables such as interindividual variation in metabolizing and eliminating drugs makes dose selection of chemotherapeutic anthracyclines difficult. One potential solution to determining dosing levels of an anthracycline is the development of non-invasive sensors to monitor their pharmacology in vivo. Single-walled carbon nanotubes (SWCNT) have substantial potential for in vivo sensor development, as they exhibit near-infrared fluorescence in the tissue-transparent window and a robust response to their local environment. An emerging method for evaluating and optimizing SWCNT sensor response is through machine learning. In this study, anthracyclines Daunorubicin, Doxorubicin, Epirubicin, Mitoxantrone and Idarubicin, were used to interrogate 12 SWCNT preparations …


Understanding The Kinetics And Mechanisms Of The Desired And Undesired Reactions During Electrochemical Hydrogenation And Hydrogenolysis Of Furfural On Copper In Acidic Media, Andrew S. May Jan 2023

Understanding The Kinetics And Mechanisms Of The Desired And Undesired Reactions During Electrochemical Hydrogenation And Hydrogenolysis Of Furfural On Copper In Acidic Media, Andrew S. May

Dissertations and Theses

The decarbonization of the chemical industry would have an immense impact on lowering greenhouse gas emissions and assisting in mitigating global warming. To achieve this there is a growing interest in implementing renewable feedstocks like biomass and coupling of chemical processes with renewable energy. Furfural is a biomass derived species that has been identified as a platform molecule. Electrochemical processes are more easily coupled with renewable electricity and can be used to valorize biomass derived species such as furfural. The installation of electrochemical processes is hindered by a smaller knowledge base compared to thermochemical processes. This dissertation investigates the electrochemical …


Shallow Water Coral Distribution And Its Response To Climate Change, Amaury De Jesus Jan 2023

Shallow Water Coral Distribution And Its Response To Climate Change, Amaury De Jesus

Dissertations and Theses

Shallow water corals are one of the main reef-building organisms that secrete carbonates as their skeletons, and therefore, are one of the major sinks of CO2 in the ocean. These reef builders are also very crucial to marine environments and human society. As the global energy demand continues rising, fossil fuel burning increases at a faster pace despite the increase in energy supply using clean and renewable energy. The increase of CO2 in the atmosphere has been shown to exacerbate global warming and may cause ocean acidification, threatening the habitat of shallow-water corals. Many recent observations show alarming signs of …


Interventions That Move: Characterizing The Language Of Therapist Responses To High Patient Arousal, Karen Tocatly Jan 2023

Interventions That Move: Characterizing The Language Of Therapist Responses To High Patient Arousal, Karen Tocatly

Dissertations and Theses

The Referential Process (RP) is defined as a set of functions (Arousal, Symbolizing, and Reflecting/Reorganizing) that describe the rendering of subsymbolic experience into verbal, symbolized form (Bucci, 2021). Movement through the RP — beginning with the subsymbolically-dominated Arousal function — has been tied to multiple theoretical and clinical understandings of therapeutic progress and personality change (Bucci, 2013; Mariani et al., 2013). The present exploratory study seeks to identify whether certain therapist language features are linked to the facilitation of patients’ movement from Arousal to Symbolizing. Using treatment transcripts from the RP Group Data Base, cases of high patient Arousal were …


Scaling And Scalar Analysis As A Framework For Research On Teacher Learning, Lara J. Handsfield Jan 2023

Scaling And Scalar Analysis As A Framework For Research On Teacher Learning, Lara J. Handsfield

Faculty Publications - College of Education

This paper argues for scalar analysis as a framework for understanding negotiations of competing ideological demands and power relationships in teacher learning. Two illustrative examples are presented, including video data of a student teacher (Camille) attempting to integrate multimodal and digital literacy practices into their instruction, and a research interview between Lara and Camille. Drawing on research in both literacy studies and applied linguistics, the illustrative scalar analyses move beyond linguistic understandings of discourse to also include embodied discourse and materiality as central to understanding complexities of teaching and teacher learning. Implications are presented for research and practice.


Collaborative Lesson Study: A Qualitative Case Study Of Elementary Teachers’ Professional Learning Experience, Arlene D. Harmon Jan 2023

Collaborative Lesson Study: A Qualitative Case Study Of Elementary Teachers’ Professional Learning Experience, Arlene D. Harmon

Theses and Dissertations

Teacher collaboration practices in schools have impacted how teachers work together to prevent professional isolation. The mandate of collaborative practices has resulted in some teachers expressing frustration and a lack of benefit from their current experiences. The purpose of this qualitative case study, conducted in the Southeast region of the United States, was to determine if lesson study provided a more meaningful collaborative approach during focused group sessions. Using New London Group’s (1996) designs of meaning concept encapsulated in the Pedagogy of Multiliteracies Theoretical Framework to gauge the relevance of lesson study, I sought to explore a deeper understanding of …


The Effect Of Social Stratification On College Students' Academic Performance & Progress, Detrenyona Nekebra Chester Jan 2023

The Effect Of Social Stratification On College Students' Academic Performance & Progress, Detrenyona Nekebra Chester

Theses and Dissertations

The purpose of this quantitative correlational research study is to understand the variables of social stratification, academic performance, and academic progress and how those variables affect a student’s decision to drop out of college. The researcher selected participants for this study from the database at a 4-year private HBCU located in the northern part of Jacksonville Florida. Many students enrolled in college encounter outstanding tuition balances that threaten their ability to obtain adequate housing and remain actively enrolled in college. The researcher explored social stratification as measured by high school Title I status, academic performance as measured by overall institutional …