This study uses a unique data source on consumer credit card usage to examine the impact of billing disclosure changes mandated by the Credit Card Accountability, Responsibility and Disclosure (CARD) Act on consumers' debt payment behaviors. Data are from the Ohio State University's Consumer...

Long-term household financial planning requires flexible, realistic financial planning instruments. This study focuses on the simulation of expenditures for discretionary and nondiscretionary goods and services and the incorporation of uncertainty into a long-term financial planning model....

Factors that explain the likelihood of completing a Chapter 13 repayment plan were identified. Using data from 489 Georgia participants who completed a 3-hour workshop, how factors differed for first-time and repeat filers were investigated. Results indicated that repeat filers were more likely...

The choice processes women investors employ when making mutual fund decisions in employer-based retirement plans were examined. A qualitative analysis of focus group material was used to investigate women's decision making environments and strategies employed for this high-consequence decision....

This study investigates time trends in debt attitudes, the socio-economic profiles of members in three debt attitudes groups, implications for borrowing, banking, and spending behaviors, and the relationship of debt attitudes with planned borrowing and saving behaviors. Based on a representative...

This paper reports on a project that investigate the impact of a near-peer teaching intervention on undergraduate students’ understanding of student loans and college expenses. The research is a pilot study based on a small sample size of undergraduate students. The sample consists of the 38...

Policy-makers show an increasing interest in “nudges” – behaviorally motivated interventions that steer people in certain directions but maintain freedom of consumer choice. Despite this interest, little evidence has surfaced about which population groups support nudges and nudging. We...

Is it necessary for the U.S. Cooperative Extension Service system to maintain an extension office in every county? Using stated choice data from a conjoint analysis experimental design, we examine the tradeoffs that farmers are willing to make when choosing between local offices based on...