Education Commons^™

The Gradual Disappearance Of Financial Literacy In Today's World. What Is Financial Literacy And Why Is It So Important? My Own Story Of Acquisition, Eileen Gertrude Cammilla Kristiansen

Graduate College Dissertations and Theses

There is a growing concern in this country that the middle class is disappearing and not in the way one would hope. Instead of families moving into a higher socio-economic class and being able to provide richer life experiences for themselves and their children, vast numbers are shifting to a lower socio-economic status level. The gap between the affluent and those barely eking out an existence is increasing at an alarming rate. This trend will directly affect who can successfully attend college and who will be available and capable to perform the blue-collar jobs that are vital to the continuation …

Financial Literacy For Latino Immigrants: A Guidebook For Esl Teachers, Anna Braden

Master's Projects and Capstones

Latino immigrants face many financial challenges in the United States. Language barriers exclude them from jobs as well as financial and consumer markets. Lack of familiarity with the U.S. financial system or bad experiences with financial systems in their home countries can create mistrust and lead to Latino immigrants being unbanked or underbanked. Consumer vulnerabilities may also be exploited as immigrants turn to nonbank financial services such as predatory lenders (check cashers, payday lenders, etc.). Lack of access to jobs and marketplaces results in lower income and less wealth accumulation. Over time this results in wealth inequality between Latino immigrants …

Informing The Creation Of A Financial Literacy Tool For Cal Poly Students, Kelly Michelle Carroll

Communication Studies

This research project examines the wants, needs, and desires of Cal Poly students to inform the creation of a financial literacy tool (tentatively named “MoneySmart”) to be created by another student. The methodologies used to gauge these metrics were a literature review and questionnaire. The literature review aids in understanding research regarding the current state of student financial literacy in the United States, including student attitudes toward the topic. Subsequent findings were used to create the questionnaire, which inquired about students’ financial stress, confidence in their abilities to manage their personal finances, specific interests for the design and contents of …

In Search Of Financial Literacy: A Qualitative Analysis Of Student Money Management Centers In The U.S., Jenny E. Cotton

Electronic Theses and Dissertations

Financial stress and obligations have been identified as the number one reason students leave college. In an effort to address this, colleges and universities have begun to reevaluate their role and responsibility as it pertains to financial education. This has led some institutions to create student money management centers. These centers serve as a resource for students to receive financial counseling and education.

This research explores how administrators within college money management centers perceive and meet the needs of college students on issues of personal finance. Charmaz’ Constructivist Grounded Theory (2006) approach to qualitative research was utilized as the theoretical …