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Full-Text Articles in Social and Behavioral Sciences

The Role Of Dysfunctional Beliefs And Attitudes About Sleep (Dbas), Rumination, Psychological Inflexibility, And Insomnia Among College Students, Guadalupe G. San Miguel Dec 2022

The Role Of Dysfunctional Beliefs And Attitudes About Sleep (Dbas), Rumination, Psychological Inflexibility, And Insomnia Among College Students, Guadalupe G. San Miguel

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

The purpose of the study was to understand additional variables that play a role between insomnia and the inability to stay present with internal feelings/emotions (i.e., psychological inflexibility) among college students. These variables that were predicted to help explain this relationship include dysfunctional sleep-related cognitions and insomnia rumination. To do this, college students were surveyed online at the start of the study and one month later. In addition, to be included in the study they must have been enrolled in a 2- or 4-year university, have access to the internet, and not diagnosed with another sleep disorder. Participants (n …


Validation And Exploration Of The Multidimensional Psychological Flexibility Inventory With A Sample Of Adolescents, John Barr Dec 2022

Validation And Exploration Of The Multidimensional Psychological Flexibility Inventory With A Sample Of Adolescents, John Barr

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

The current study attempted to further psychological flexibility literature by validating the Multidimensional Psychological Flexibility Inventory (MPFI) with a sample of adolescents (ages 16 and 17). This analysis also examined how the MPFI associates with other indicators of psychological flexibility, distress (depression, anxiety, somatic symptom severity and related distress, difficulties in emotion regulation) and well-being (subjective happiness, life satisfaction, self-compassion, emotional approach coping).

Results from this study suggested that psychological inflexibility as measured by the MPFI positively associated with a number of measures of distress, but generally did not inversely correlate with measures of well-being in a theoretically-consistent manner, which …


Bipartisn Bills From Caucus Collaboration: Solutions To Polarized Or Non-Polarized Issues?, Kaitlin Holden Dec 2022

Bipartisn Bills From Caucus Collaboration: Solutions To Polarized Or Non-Polarized Issues?, Kaitlin Holden

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

This paper investigates whether caucus members pursue bipartisan collaboration on bills related to polarized or non-polarized policy issues. The aim is to determine whether caucuses may be used to pursue bipartisan solutions to major policy issues in an increasingly polarized political environment. I model the effect that the presence of a women’s caucus has on bipartisan collaboration in increasingly polarized legislatures, depending on whether a bill’s title contains words related to polarized issues and its overall sentiment. Findings indicate that bipartisan women may be more likely to collaborate on polarized bills then non-polarized bills in legislatures with a women’s caucus …


Effects Of Obesity On Knee Extensor Structure, Function, And Gait: A Systematic Review And Meta-Analysis, Michael N. Vakula Dec 2022

Effects Of Obesity On Knee Extensor Structure, Function, And Gait: A Systematic Review And Meta-Analysis, Michael N. Vakula

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Obesity is a common, costly, and critical disease that increases the risk of disability and premature death. Most commonly, obesity is caused by an increased consumption of energy dense foods and decreased time spent being physically active. The greater weight with obesity interrupts normal musculoskeletal function which can lead to physical adaptations such as decreased lower-extremity muscle strength and abnormal walking patterns, both of which are among top risk factors for falls in older individuals. However, the effects of obesity on walking and lower-extremity muscle strength have not previously been examined by incorporating the results of all existing studies in …


Together, Our Voices Will Strengthen The Weaving: Using Autoethnography And Narrative Inquiry To Indigenize Sense Of Belonging In Higher Education, Devon S. Isaacs Dec 2022

Together, Our Voices Will Strengthen The Weaving: Using Autoethnography And Narrative Inquiry To Indigenize Sense Of Belonging In Higher Education, Devon S. Isaacs

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Native American students in higher education are often asked to find a sense of belonging in places and spaces that do not reflect their cultures or worldviews. This can lead to isolation and a feeling of having to choose between themselves and their identities as Indigenous peoples. This contributes to poorer mental health, loss of well-being, and decreased academic success. The purpose of this study was to ask seven Native American participants how they defined sense of belonging from their own worldviews. Participants were also asked about spaces and places in higher education that helped or did not help them …


Preference Reversals In Delay Of Gratification, Jeremy M. Haynes Dec 2022

Preference Reversals In Delay Of Gratification, Jeremy M. Haynes

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Intertemporal choices are decisions between outcomes occurring at different times. For example, people may choose to quit smoking cigarettes for the delayed health-related benefits associated with abstention, or they may continue to smoke for the immediate gratification associated with smoking now. Importantly, patterns of intertemporal choices among people are associated with a number of maladaptive behaviors (e.g., cigarette smoking). In the present set of studies, I examine a facet of intertemporal choice: preference reversals. Although there are multiple forms of preference reversal, I focus on those characterized by shifts in preference from a larger-later reward to a smaller-immediate reward after …


The Strategy Of Metallgesellschaft: A Sophisticated Catallactic Analysis, Janette Goodridge Dec 2022

The Strategy Of Metallgesellschaft: A Sophisticated Catallactic Analysis, Janette Goodridge

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

In the fall of 1993, German company Metallgesellschaft, Ag experienced a loss of over one billion dollars. This loss resulted from its hedging strategy, and was one of the largest losses of its kind at the time. Naturally this raised interest regarding what caused these huge losses, and called into question the events and circumstances surrounding and leading up to this disaster. There are two basic schools of thought regarding Metallgesellschaft's strategy. The first is that it was a good strategy and had the potential to be successful and profitable. The other is that its strategy was risky and speculative. …


Examining Geographic Variations In Disaster Preparedness Across The United States And Puerto Rico, Forest Kane Cook Dec 2022

Examining Geographic Variations In Disaster Preparedness Across The United States And Puerto Rico, Forest Kane Cook

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Disaster events, such as floods, wildfires, and earthquakes increasingly cause damage to livelihoods, the economy, and the environment. Preparing for these events to occur is an important part of increasing resilience, however studies have found that households are generally not prepared for these events to happen. When it comes to identifying where these households are, there is typically no related tool or series of maps that can indicate location. In order to fill this gap, we use public survey data from FEMA to create estimates of household preparedness across a number of actions, such as developing an evacuation plan or …


Shame-Proneness And Sexual Satisfaction Among Conservatively Religious Sexual Minorities, Sydney A. Sorrell Dec 2022

Shame-Proneness And Sexual Satisfaction Among Conservatively Religious Sexual Minorities, Sydney A. Sorrell

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

This study examined how various aspects of religiousness and sexuality were related to sexual satisfaction among conservatively religious sexual minorities and explored whether dispositional proneness to feeling shame changed these relationships. Analysis of survey data from 315 current and former members of the Church of Jesus Christ of Latter-day Saints revealed numerous factors that were related to sexual satisfaction. Sexual minorities who attended more religious services and who were more religiously committed were less sexually satisfied. This may be a result of the conflict a religious sexual minority individual experiences when engaging in same-sex sexual behavior due to stigmatizing religious …


Human Appropriation Of Net Primary Production Through Crops, Grazing, And Forestry In The U.S. From 1997 To 2012, Suman Paudel Dec 2022

Human Appropriation Of Net Primary Production Through Crops, Grazing, And Forestry In The U.S. From 1997 To 2012, Suman Paudel

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

This dissertation conducts a county-level analysis of human appropriation of net primary production (HANPP) harvested from crops, timber and grazing in the conterminous United States in the years 1997, 2002, 2007 and 2012. This study consists of three manuscripts (Chapters 2, 3, and 4). The first study quantifies net primary production in US counties in 1997, 2002, 2007 and 2012. The detailed HANPP study conducted concludes that HANPP is a valuable footprint tool for analyzing land use intensity and agricultural ecosystems. The second manuscript shows how HANPP is an improved or modernized ecological footprint and is a sustainable indicator as …


The Efficacy And Feasibility Of Web-Based Acceptance-Enhanced Behavioral Treatment For Trichotillomania In Adults: A Randomized Waitlist-Controlled Trial, Leila K. Capel Dec 2022

The Efficacy And Feasibility Of Web-Based Acceptance-Enhanced Behavioral Treatment For Trichotillomania In Adults: A Randomized Waitlist-Controlled Trial, Leila K. Capel

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Trichotillomania, or chronic hair pulling, impacts several aspects of a person’s everyday life and functioning including making it difficult to fully engage in school, work, romantic relationships, and other social relationships. There are several treatment options for trichotillomania and one that is particularly promising is acceptance and commitment therapy-enhanced behavioral therapy (AEBT). Several studies have been done in person and through telehealth and this treatment has helped participants.

Many people in the U.S. struggle with trichotillomania but many people are not able to access treatment for their hair pulling because clinicians are not available in their area, clinicians are not …


Storytelling To Promote Mental Health: A Conceptual Analysis And Application With Acceptance And Commitment Therapy For Depression, Carter H. Davis Dec 2022

Storytelling To Promote Mental Health: A Conceptual Analysis And Application With Acceptance And Commitment Therapy For Depression, Carter H. Davis

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Mental health treatments can be delivered in many ways. One approach is to use storytelling to communicate healthy practices. While societies across the world have engaged in storytelling for thousands of years, these practices have been used less in the mental health field. The aim of this project was to study the overlap between the areas of mental health and storytelling. We also tested how a storytelling-based mental health treatment could help solve a particular clinical problem. In this case, the problem of people who receive inadequate help for managing depression through medication alone.

We examined one particular mental health …


Institutional Betrayal Related To Sexual Trauma In Military Service Members And Veterans: An Examination Of Posttraumatic Sequelae, Felicia Andresen Aug 2022

Institutional Betrayal Related To Sexual Trauma In Military Service Members And Veterans: An Examination Of Posttraumatic Sequelae, Felicia Andresen

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Military sexual harassment and/or assault (MSH/A) is pervasive and destructive. MSH/A survivors who believe the institution played a role in the traumatic experience by failing to respond in a supportive manner or for failing to keep them safe may feel betrayed by the military itself, a concept referred to as institutional betrayal. Previous research suggests it is more harmful to be abused by trusted others or institutions due to the violation of trust. This two-study dissertation explored experiences of MSH/A-related institutional betrayal to identify survivors at-risk for worse posttraumatic outcomes.

Study #1 evaluated whether PTSD explained the relationship between …


Masculinity, Affirmations, Belongingness, And Resiliency In Male Adolescents: Effects On School Engagement, Kelsey Burt Aug 2022

Masculinity, Affirmations, Belongingness, And Resiliency In Male Adolescents: Effects On School Engagement, Kelsey Burt

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

This study focused on male adolescent students within 7th and 8th grade and how endorsement of masculine stereotypes impacts their school engagement and feelings of belonging. The study also examines how peers maintain masculine conformity and how individual resiliency change outcomes. This research is based on two main theories, inclusive masculinity and social learning theory. These theories describe how behaviors are largely learned from the social environment and maintained due to reinforcement or punishment. There were 127 adolescent males who participated in this study and were recruited through an online survey system. Results of the study show that …


School Resource Officers' Reports Of Training And Perceptions Of High School Students With Disabilities, Kandace T. Jones Aug 2022

School Resource Officers' Reports Of Training And Perceptions Of High School Students With Disabilities, Kandace T. Jones

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

The purpose of this explanatory sequential, mixed methods research study was to identify the perceptions of school resource officers (SROs) regarding high school students with disabilities and their preparedness to work with this population, as a result of their SRO training. This study involved a national quantitative survey of SROs working in public high schools, followed by one-on-one interviews from the same sample to allow for a deeper analysis of the survey results and develop a theory on how training impacts SRO preparedness and their perceptions of high school students with disabilities. The resulting theory ascertained that the presence of …


A Dynamic Relationship With Wilderness: Comparing Day And Multi-Day Visitors' Indicators Of Quality In Wilderness Settings, Caleb Meyer Aug 2022

A Dynamic Relationship With Wilderness: Comparing Day And Multi-Day Visitors' Indicators Of Quality In Wilderness Settings, Caleb Meyer

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

The length of stay in wilderness areas is declining and, in many areas, day visitors comprise most of all use. Most prior research exploring this trend took place in the 1990s and few studies of wilderness visitation account for the increase in outdoor recreation participation over the last decade. Lack of understanding surrounding this trend raises questions about managerial and philosophical approaches to the recreation-wilderness relationship. This study explored these topics within visitor use management approaches used by the National Park Service, which manages the proposed Glen Canyon Wilderness, near Escalante, Utah, where this research took place.

Results of this …


A Moderated Mediation Model Of Gender, Posttraumatic Cognitions, And Posttraumatic Stress Disorder Symptoms After Military Sexual Assault, Hallie S. Tannahill Aug 2022

A Moderated Mediation Model Of Gender, Posttraumatic Cognitions, And Posttraumatic Stress Disorder Symptoms After Military Sexual Assault, Hallie S. Tannahill

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Military sexual assault (MSA) is associated with the greatest risk for posttraumatic stress disorder (PTSD) and PTSD severity beyond other trauma types. Sexual revictimization further increases this risk and severity. However, not all who experience MSA revictimization develop PTSD. This suggests there may be a key mechanism that explains the association between MSA and PTSD. Posttraumatic cognitions (PTC), which include an overall domain and subdomains of self, world, and self-blame, may be one such mechanism between MSA and PTSD, although this link has not yet been examined in the context of MSA revictimization. Further, literature suggests that men and women …


Ai: Capturing Core Processes In The Us-China Hegemonic Cycle, Connor Murphy Aug 2022

Ai: Capturing Core Processes In The Us-China Hegemonic Cycle, Connor Murphy

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

World systems analysis is a historically based framework that makes looking at the world easier with trends and patterns. Using this framework and the concepts inside of it, the reader will be able to see the potential that artificial intelligence has in regard to the social, political and economic changes that will come about in the United States and China from the adoption of this technology.


The Effect Of Congressional Committee Assignments On National Park Annual Operating Budget Appropriations, Braden T. Morrill Aug 2022

The Effect Of Congressional Committee Assignments On National Park Annual Operating Budget Appropriations, Braden T. Morrill

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Yearly funding for individual national parks is overseen and determined by the House Appropriations and Natural Resources Committees. This process has resulted in the National Park Service being underfunded and facing a $12 billion maintenance backlog. Congress has passed temporary funding to help reduce this backlog but has not indicated a shift in how funding decisions are made to prevent future shortfalls.

This thesis uses statistical analysis to explore how individual members of Congress are impacting funding for national Parks in their states or districts. Often congressional committee’s act on personal incentives to make funding decisions rather than basing their …


Emotional Support Animal Partnerships: A Multimethod Investigation, Jillian Ferrell Aug 2022

Emotional Support Animal Partnerships: A Multimethod Investigation, Jillian Ferrell

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Emotional Support Animals (ESAs) are increasing in prevalence and awareness, though not all the publicity and attention have been positive. Many people, including housing officials, persons with disabilities, health professionals, and the general public are confused about the roles and rights of ESAs. Misunderstandings, lack of awareness, and fraud have led to dangerous and inappropriate situations for humans and animals alike despite overwhelming evidence of powerful therapeutic benefits of the human animal bond.

Three studies provide insight into various perspectives involved in ESA partnership experiences and development. Each study provides a theoretical, quantitative, and qualitative approach, respectively, to explore the …


Executive Functioning And Brain Activation In Young Monolingual And Bilingual Children: An Fnirs Study, Matthew L. Cook Aug 2022

Executive Functioning And Brain Activation In Young Monolingual And Bilingual Children: An Fnirs Study, Matthew L. Cook

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Over the past 40 years, the prevalence of bilingualism in the United States has increased. As bilingualism is increasing, it is important to examine potential benefits or drawbacks that early household bilingual exposure has on child development and how bilingualism may facilitate those benefits or drawbacks. This study included 5 monolingual and 6 bilingual children and compared differences in brain activation location and executive functioning skills. Results from this project show a trend of activation differences where the monolingual children had less activation of the middle area of the prefrontal cortex while there was similar activation in both the left …


Developing Cultural Competence Among Sixth-Grade Students Through Indigenous Knowledge And Place-Based Education, Tyus Roanhorse Aug 2022

Developing Cultural Competence Among Sixth-Grade Students Through Indigenous Knowledge And Place-Based Education, Tyus Roanhorse

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

There is a need to develop cultural competence in educational settings. While there is a focus on training K-12 educators to be culturally competent, there is little focus on developing and examining the impact of student cultural competence training. Integrating Indigenous knowledge in an education setting is a unique way to start developing cultural competency by recognizing cross-cultural worldviews and perspectives. This can be done while using place-based education, which links the classroom to the cultural environment that has significant meaning to Indigenous peoples while enriching the learning experience for all students. The current study examines and measures the development …


A Single-Case Experimental Investigation Of Sketch And Speak Expository Intervention For Adolescents With Language-Related Learning Disabilities Via Telepractice, Amy K. Peterson Aug 2022

A Single-Case Experimental Investigation Of Sketch And Speak Expository Intervention For Adolescents With Language-Related Learning Disabilities Via Telepractice, Amy K. Peterson

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

This study investigated the effects of Sketch and Speak expository language intervention for adolescent students with language-related learning disabilities (LLD). Students with LLD have trouble understanding and using academic language for reading and writing and often benefit from explicit instruction in these areas. Sketch and Speak is an expository language intervention that teaches students to take notes in two forms and to systematically use oral practice to facilitate understanding and memory of notes. First, students learn to take notes using simple sketch writing, or pictography, which allows them to focus on the ideas of the text rather than the spelling, …


Examining The Effectiveness Of Explicit, Systematic Mathematics Vocabulary Instruction For Students With Learning Difficulties And Disabilities In A Specialized Setting, Kristen R. Rolf Aug 2022

Examining The Effectiveness Of Explicit, Systematic Mathematics Vocabulary Instruction For Students With Learning Difficulties And Disabilities In A Specialized Setting, Kristen R. Rolf

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Many students in the United States are not proficient in mathematics. Mathematics vocabulary is one area that may impact students’ understanding of and engagement with mathematics. This dissertation investigated the implementation, effectiveness, and teacher’s perceptions of a program for teaching mathematics vocabulary necessary for fourth grade and beyond.

This study randomly assigned 30 students (11-14 years old) to receive mathematics vocabulary instruction or not. Three teachers at a school for students with learning difficulties and disabilities administered mathematics vocabulary and mathematics achievement tests to all of their students before teaching the program to 17 of the students. A research assistant …


An Exploration Of The Relationship Between Interdisciplinary Collaboration And Participation Of Students With Disabilities In Secondary Career And Technical Education, Crystal Kay Emery Aug 2022

An Exploration Of The Relationship Between Interdisciplinary Collaboration And Participation Of Students With Disabilities In Secondary Career And Technical Education, Crystal Kay Emery

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Students with disabilities have been shown to be less ready for college and career when they leave high school than students without disabilities. Secondary transition is the process of a student with disabilities moving from school to post-school settings. Research has shown that participation in career and technical education (CTE) while still in high school for improves the likelihood of meaningful employment after high school for students with disabilities. Research has also shown that collaboration between educators improves academic outcomes for students. Special education (SPED) teachers have extensive training in supporting students with disabilities throughout the education process. Collaboration between …


Collaborative Practices Of Rural Inclusive Postsecondary Education Program (Ipse) Directors, Elizabeth Susanne Goode Dimond Aug 2022

Collaborative Practices Of Rural Inclusive Postsecondary Education Program (Ipse) Directors, Elizabeth Susanne Goode Dimond

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Inclusive postsecondary education programs (IPSE) for students with intellectual disabilities (ID) are relatively new, having their formal beginning in the Higher Education Opportunity Act (HEOA; P.L. 110-315) of 2008. These programs vary greatly and are found in urban, suburban, and rural areas of the United States. Those programs in rural areas face unique barriers and have unique strengths that affect how they collaborate and with whom they collaborate. The purpose of this qualitative phenomenological study is to describe the collaborative practices of rural IPSE program directors. This study gathered the lived experiences of rural IPSE program directors collaborating with agencies …


Reconstructing The Practical Theory Of Communication In Dating Matters: Examining Teen Dating Violence Prevention From A Communicative Approach, Diana Costanzo Aug 2022

Reconstructing The Practical Theory Of Communication In Dating Matters: Examining Teen Dating Violence Prevention From A Communicative Approach, Diana Costanzo

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Teen Dating Violence (TDV) has lasting impacts on teens’ health and well-being. Dating Matters: Strategies to Promote Healthy Teen Relationships (DM), a curriculum published by the CDC in 2019, seeks to mitigate the consequences of TDV and promote healthy relationships. Using Grounded Practical Theory (Craig & Tracy, 1995, 2014), this paper analyzes how DM conceptualizes communication. Specifically, I explore and critique how DM discusses topics related to communication and conflict. The findings of the analysis show that DM focuses on sending the right message in communication. In DM, parents and teens are encouraged to “talk it out” or “speak up” …


Cultural, Contextual, And Individual Determinants Of Mental Health Service Utilization Among Latinx Emerging Adults, Kenia Carrera Diaz Aug 2022

Cultural, Contextual, And Individual Determinants Of Mental Health Service Utilization Among Latinx Emerging Adults, Kenia Carrera Diaz

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Despite being at an increased risk of experiencing mental health problems, Latinx emerging adults underutilize professional psychological services compared to other ethnic/racial groups. It is important for researchers to understand this mental health disparity to improve Latinx emerging adults’ use of quality mental health services (MHS). The current project investigated factors that might influence Latinx emerging adult’s use of MHS through two separate studies. In the first study, I systematically reviewed research published in the past decade that examined predictors of MHS use among Latinx emerging adults. A total of 9 studies were found and included in this review. This …


The Association Of Military Sexual Harassment/Assault With Suicidal Ideation, Plans, Attempts, And Mortality Among Service Members And Veterans: A Meta-Analysis And Research Study, Whitney S. Livingston Aug 2022

The Association Of Military Sexual Harassment/Assault With Suicidal Ideation, Plans, Attempts, And Mortality Among Service Members And Veterans: A Meta-Analysis And Research Study, Whitney S. Livingston

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Rates of death by suicide and sexual harassment/assault that occurs during military service (MSH/A) are higher among service members/veterans than rates of suicide and sexual violence among civilians. Suicide risk includes thoughts and attempts, and research examining the strength of the relationship between suicide risk and sexual violence across past studies that examined this association are limited to civilians. Moreover, current theories hypothesizing which factors are related to suicide risk do not adequately predict suicide among service members and veterans, and do not account for factors such as MSH/A. This two-study dissertation first calculated the magnitude of the relationship between …


Who Is More Likely To Be Delinquent In Their Mortgage Payments Among Homeowners? The Role Of Financial Literacy, Ellie Donne Hansen Aug 2022

Who Is More Likely To Be Delinquent In Their Mortgage Payments Among Homeowners? The Role Of Financial Literacy, Ellie Donne Hansen

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Homeownership is a way for families to build wealth and marks status attainment. Despite the many benefits of homeownership, homeowners who are delinquent on their mortgages lose the effective means of wealth accumulation and may trigger the beginning of the foreclosure process. There is evidence that homeowners with appropriate levels of financial literacy have a lower likelihood of mortgage delinquency.

Using data from the 2018 National Financial Capability Study (NFCS), the main purpose of this study was to examine what factors are associated with mortgage delinquency among homeowners. This study also examined to what extent financial literacy plays a role …