Working Papers and Reports

TCAI working papers are contributed by TCAI staff, its research council members, and its grant and award recipients.

2012

Daniel T. Brown, Charles R. Link and Michael E. Staten
The Success and Failure of Counseling Agency Debt Repayment Plans
(pdf)

2011

John M. Barron, Michael E. Staten
Is Technology-Enhanced Credit Counseling as Effective as In-Person Delivery?
(pdf)

2010

Michael E. Staten, Cathleen Johnson
Do Inter-temporal Preferences Trump Financial Education Courses in Driving Borrowing and Payment Behavior?
(pdf)

2009

Soyeon Shim, Bonnie L. Barber, Noel A. Card, Jing Jian Xiao, Joyce Serido
Financial Socialization of First-year College Students:
The Roles of Parents, Work, and Education
(pdf)

2007

Gregory Elliehausen, E. Christopher Lundquist, and Michael E. Staten
The Impact of Credit Counseling on Subsequent Borrower Behavior
(pdf)

2006

John E. Grable, Walter Schumm
An Estimate of the Reliability of the Survey of Consumer Finances Risk-Tolerance Question
(pdf)

Jing Jian Xiao, Jiajun Wu
Applying the Theory of Planned Behavior to Retain Credit Counseling Clients
(pdf)

Shayna Lee Slagel, Barbara M. Newman, Jing Jian Xiao
Credit Card Debt Reduction and Developmental Stages of the Lifespan
(pdf)

Angela Lyons
Are we Making Grade: A National Overview of Financial Education and Program Evaluation
(pdf)

John Grable
Personal Finance, Financial Planning, and Financial Counseling Publication Rankings
(pdf)

Jing Jian Xiao and Jiajun Wu
Encouraging Behavior Change in Credit Counseling:An Application of the Transtheoretical Model of Change (TTM)
(pdf)

2005

Jianfeng Wang and Melanie Wallendorf
Best Friend or Worst Enemy: Debt Consumption of College Students
(pdf)

Abha Rao and Bonnie Barber
Financial Well-Being: Descriptors and Pathways
(pdf)

Jessie X. Fan and Jing Jian Xiao
A Cross-Cultural Study in Risk Tolerance: Comparing Chinese and Americans
(pdf)