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A Workship Cirriculum For Student Loan Debt, Cion Swoope
A Workship Cirriculum For Student Loan Debt, Cion Swoope
Culminating Experience Projects
For many college students, taking out student loans is a necessary step towards higher education, yet it often leads to accumulated debt that can seem insurmountable. This project intends to investigate the implications of student loan debt, such as homeownership, household debt, and other life goals, and educate borrowers on the potential repercussions. Using Becker's (1993) Human Capital theory, I will examine the investment logic behind student loan borrowing, framing debt as a calculated risk for future gain. This project also uses Crenshaw's (1989) Intersectionality theory to extend beyond the scope of the average borrower and highlight the demographic groups …
Addressing First-Generation College Students’ Gap In Financial Literacy Through The First-Year Seminar, Mary G. Wright
Addressing First-Generation College Students’ Gap In Financial Literacy Through The First-Year Seminar, Mary G. Wright
Culminating Experience Projects
There is a gap in the financial literacy of first-generation college students. Research on first-generation college students and their unique barriers to financial resources, financial literacy, financial aid, and first-year seminars is reviewed. Research indicates that higher education funding, first-generation students’ intersecting identities, and the unique barriers related to their identities impact first-generation college students’ ability to succeed in higher education. A first-year seminar is proposed with financial literacy topics threaded throughout the entirety of the course and a financial literacy unit to address the gap in financial literacy. First-generation college students graduate at disproportionately low rates in comparison to …