Financial Stress In College Students

  financial stress in college students: Financial Counseling Dorothy B. Durband, Ryan H. Law, Angela K. Mazzolini, 2018-10-16 This text is a valuable new resource that we recommend for all of our professionals and are proud to incorporate as part of our AFC® certification program. With expertise representing the breadth and depth of the financial counseling profession, the content in this text provides you with a rigorous foundation of knowledge, considers critical theoretical models, and explores foundational skills of communication, self-awareness, and bias. This type of comprehensive approach aligns with our mission and vision—providing you with the foundational knowledge to meet clients where they are across the financial life-cycle and impact long-term financial capability. -Rebecca Wiggins, Executive Director, AFCPE® (Association for Financial Counseling and Planning Education®) This timely volume presents a comprehensive overview of financial counseling skills in accessible, practical detail for readers throughout the career span. Expert financial counselors, educators, and researchers refer to classic and current theories for up-to-date instruction on building long-term client competence, working with clients of diverse backgrounds, addressing problem financial behavior, and approaching sensitive topics. From these core components, readers have a choice of integrated frameworks for guiding clients in critical areas of financial decision-making. This essential work: · Offers an introduction to financial counseling as a practice and profession · Discusses the challenges of working in financial counseling · Explores the elements of the client/counselor relationship · Compares delivery systems and practice models · Features effective tools and resources used in financial counseling · Encourages counselor ethics, preparedness, and self-awareness A standout in professional development references, Financial Counseling equips students and new professionals to better understand this demanding field, and offers seasoned veterans a robust refresher course in current best practices.
  financial stress in college students: The College Stress Test Robert Zemsky, Susan Shaman, Susan Campbell Baldridge, 2020-02-25 Provides an insightful analysis of the market stresses that threaten the viability of some of America's colleges and universities while delivering a powerful predictive tool to measure an institution's risk of closure. In The College Stress Test, Robert Zemsky, Susan Shaman, and Susan Campbell Baldridge present readers with a full, frank, and informed discussion about college and university closures. Drawing on the massive institutional data set available from IPEDS (the Integrated Postsecondary Education Data System), they build a stress test for estimating the market viability of more than 2,800 undergraduate institutions. They examine four key variables—new student enrollments, net cash price, student retention, and major external funding—to gauge whether an institution is potentially at risk of considering closure or merging with another school. They also assess student body demographics to see which students are commonly served by institutions experiencing market stress. The book's appendix includes a powerful do-it-yourself tool that institutions can apply, using their own IPEDS data, to understand their level of risk. The book's underlying statistical analysis makes clear that closings will not be nearly as prevalent as many prognosticators are predicting and will in fact impact relatively few students. The authors argue that just 10 percent or fewer of the nation's colleges and universities face substantial market risk, while 60 percent face little or no market risk. The remaining 30 percent of institutions, the authors find, are bound to struggle. To thrive, the book advises, these schools will need to reconsider the curricula they deliver, the prices they charge, and their willingness to experiment with new modes of instruction. The College Stress Test provides an urgently needed road map at a moment when the higher education terrain is shifting. Those interested in and responsible for the fate of these institutions will find in this book a clearly defined set of risk indicators, a methodology for monitoring progress over time, and an evidence-based understanding of where they reside in the landscape of institutional risk.
  financial stress in college students: Stress and Mental Health of College Students M. V. Landow, 2006 College students are subject to a massive input of stresses which require successful and ever-changing coping strategies. These stresses include inside and outside pressures by the world to succeed, financial worries, concerns about uncertain futures, social problems and opportunities since college is often the meeting place for future mates, and homework and tests in multiple and complex subjects requiring preparation and focus with often conflicting priorities. Unsuccessful coping often results in anxiety, heavy drinking, depression and a host of other mental health problems. This new book presents new and important research in this important field.
  financial stress in college students: The Campus Cure Marcia Morris, 2018-01-02 Did you know that one of four college students was diagnosed with a mental health disorder in the last year? College students are experiencing anxiety, depression, alcohol abuse, and other mental health issues at alarming rates in a landscape of growing academic, social, and financial pressures. As a college mental health psychiatrist for over two decades and a mother of two twenty-somethings, Marcia Morris has witnessed the ways problems can derail students from their goals, while parent interventions at critical junctures can help get students back on track. The Campus Cure: A Parent Guide to Mental Health and Wellness for College Students is a first aid guide to your child’s emotional health, preparing you to handle the mental health problems and emotional ups and downs many young adults experience in college. With anecdotes and the latest scientific literature, this book will increase your awareness of common problems, pressures, and crises in college; illustrate how you can support your child and collaborate with campus resources; and provide stories of hope to parents who often feel alone and overwhelmed when their child experiences a mental health problem. While you have the passion to help your child, this book will provide you with the tools to guide your child toward health and happiness in the college years.
  financial stress in college students: Where You Go Is Not Who You'll Be Frank Bruni, 2015-03-17 Read award-winning journalist Frank Bruni's New York Times bestseller: an inspiring manifesto about everything wrong with today's frenzied college admissions process and how to make the most of your college years. Over the last few decades, Americans have turned college admissions into a terrifying and occasionally devastating process, preceded by test prep, tutors, all sorts of stratagems, all kinds of rankings, and a conviction among too many young people that their futures will be determined and their worth established by which schools say yes and which say no. In Where You Go is Not Who You'll Be, Frank Bruni explains why this mindset is wrong, giving students and their parents a new perspective on this brutal, deeply flawed competition and a path out of the anxiety that it provokes. Bruni, a bestselling author and a columnist for the New York Times, shows that the Ivy League has no monopoly on corner offices, governors' mansions, or the most prestigious academic and scientific grants. Through statistics, surveys, and the stories of hugely successful people, he demonstrates that many kinds of colleges serve as ideal springboards. And he illuminates how to make the most of them. What matters in the end are students' efforts in and out of the classroom, not the name on their diploma. Where you go isn't who you'll be. Americans need to hear that--and this indispensable manifesto says it with eloquence and respect for the real promise of higher education.
  financial stress in college students: Grown and Flown Lisa Heffernan, Mary Dell Harrington, 2019-09-03 PARENTING NEVER ENDS. From the founders of the #1 site for parents of teens and young adults comes an essential guide for building strong relationships with your teens and preparing them to successfully launch into adulthood The high school and college years: an extended roller coaster of academics, friends, first loves, first break-ups, driver’s ed, jobs, and everything in between. Kids are constantly changing and how we parent them must change, too. But how do we stay close as a family as our lives move apart? Enter the co-founders of Grown and Flown, Lisa Heffernan and Mary Dell Harrington. In the midst of guiding their own kids through this transition, they launched what has become the largest website and online community for parents of fifteen to twenty-five year olds. Now they’ve compiled new takeaways and fresh insights from all that they’ve learned into this handy, must-have guide. Grown and Flown is a one-stop resource for parenting teenagers, leading up to—and through—high school and those first years of independence. It covers everything from the monumental (how to let your kids go) to the mundane (how to shop for a dorm room). Organized by topic—such as academics, anxiety and mental health, college life—it features a combination of stories, advice from professionals, and practical sidebars. Consider this your parenting lifeline: an easy-to-use manual that offers support and perspective. Grown and Flown is required reading for anyone looking to raise an adult with whom you have an enduring, profound connection.
  financial stress in college students: The College Dropout Scandal David Kirp, 2019-07-01 Higher education today faces a host of challenges, from quality to cost. But too little attention gets paid to a startling fact: four out of ten students -- that's more than ten percent of the entire population - -who start college drop out. The situation is particularly dire for black and Latino students, those from poor families, and those who are first in their families to attend college. In The College Dropout Scandal, David Kirp outlines the scale of the problem and shows that it's fixable - -we already have the tools to boost graduation rates and shrink the achievement gap. Many college administrators know what has to be done, but many of them are not doing the job - -the dropout rate hasn't decreased for decades. It's not elite schools like Harvard or Williams who are setting the example, but places like City University of New York and Long Beach State, which are doing the hard work to assure that more students have a better education and a diploma. As in his New York Times columns, Kirp relies on vivid, on-the-ground reporting, conversations with campus leaders, faculty and students, as well as cogent overviews of cutting-edge research to identify the institutional reforms--like using big data to quickly identify at-risk students and get them the support they need -- and the behavioral strategies -- from nudges to mindset changes - -that have been proven to work. Through engaging stories that shine a light on an underappreciated problem in colleges today, David Kirp's hopeful book will prompt colleges to make student success a top priority and push more students across the finish line, keeping their hopes of achieving the American Dream alive.
  financial stress in college students: The Privileged Poor Anthony Abraham Jack, 2019-03-01 An NPR Favorite Book of the Year “Breaks new ground on social and educational questions of great import.” —Washington Post “An essential work, humane and candid, that challenges and expands our understanding of the lives of contemporary college students.” —Paul Tough, author of Helping Children Succeed “Eye-opening...Brings home the pain and reality of on-campus poverty and puts the blame squarely on elite institutions.” —Washington Post “Jack’s investigation redirects attention from the matter of access to the matter of inclusion...His book challenges universities to support the diversity they indulge in advertising.” —New Yorker The Ivy League looks different than it used to. College presidents and deans of admission have opened their doors—and their coffers—to support a more diverse student body. But is it enough just to admit these students? In this bracing exposé, Anthony Jack shows that many students’ struggles continue long after they’ve settled in their dorms. Admission, they quickly learn, is not the same as acceptance. This powerfully argued book documents how university policies and campus culture can exacerbate preexisting inequalities and reveals why some students are harder hit than others.
  financial stress in college students: College Student Development Wendy K. Killam, PhD, NCC, CRC, LPC, Suzanne Degges-White, PhD, LMHC-IN, LPC-NC, NCC, 2017-04-18 Prepares readers to meet the needs of an increasingly diverse college student population This is a timely and comprehensive overview of key theories of student development that illustrates their application across a range of student services with diverse student populations. It is distinguished by its focus on nontraditional student populations including adults changing careers, parents, veterans, and international students. The book examines relevant theories of cognitive, ethical, moral, and personality development and theories of identity development in terms of ethnicity, gender, and ability. Also covered are theories relevant to disability issues, LGBT identity issues, and to choice of career and major/degree. Unique to the text is information on how theories can be applied, beyond understanding individual students, to student groups and to guide the coordination of student affairs services across the campus. Engaging case vignettes immerse readers in diverse perspectives and demonstrate the application of theory to a wide range of student types and issues. The book covers the history and development of each theory along with its strengths and limitations. Also included are useful suggestions on how to best assist students with current challenges. Reflective questions concluding each chapter help students to reinforce information. An insightful text for courses in college student development in relevant graduate programs and for student affairs professionals who wish to enhance their abilities, this book reflects the realities of contemporary college student life and student affairs practices. Key Features: Applies student development theories primarily to non-traditional college students Presents chapter-opening/closing examples reflecting student diversity Explores the strengths and limitations of each theory Describes how theories can be applied in varied student affairs settings and in broader contexts of student affairs Includes instructor’s resources
  financial stress in college students: Student Financial Literacy Dorothy B. Durband, Sonya L. Britt, 2012-03-31 College students are particularly vulnerable to making poor financial decisions. One method of addressing personal finances and financial stress among students of higher education is through university based financial education programs. Student Financial Literacy: Program Development presents effective strategies to assist in the implementation or the enhancement of a program as a tool to improve students’ educational experience and financial well-being. It presents the key components of financial education programs designed to address the growing concerns associated with high levels of debt and low levels of financial literacy among college students. “Student Financial Literacy: Campus-Based Program Development is packed with financial education and counseling information and guidance. It was very difficult to write this review as I wanted to share ALL the excellent direction this book provides... The editors and contributing authors have developed an excellent resource for not only those interested in developing or enhancing a campus-based financial education program but also for anyone involved in financial education, counseling, and planning.” -Rebecca J. Travnichek, Family Financial Education Specialist, University of Missouri Extension Journal of Financial Counseling and Planning
  financial stress in college students: Digest of Education Statistics 2012 Thomas D. Snyder, Sally a Dillow, 2014-04 Digest of Education Statistics 2012 is the 48th in a series of publications initiated in 1962. Its primary purpose is to provide a compilation of statistical information covering the broad field of American education--from pre-kindergarten through graduate school--drawn from government and private sources, but especially from surveys and other activities led by NCES (National Center for Education Statistics) part of the Institute for Education Sciences (IES). The digest contains data on the number of schools, students, and teachers, as well as statistics on educational attainment, finances, libraries, technology, and international comparisons. Details on population trends, education attitudes, labor force characteristics, and federal aid supplies helpful background for evaluating the education data. This statistical reference could be helpful to parents choosing schools for their children as well as for teachers, librarians, and public administrators as it tracks enrollment, population trends and key areas of studies with student progress. It also tracks the post-secondary/college level detailing undergraduate tuition and room/board ESTIMATE costs at private nonprofit institutions, private for profit institutions and public institutions. It also tallies the number of postsecondary degrees and provides some gender demographics in this area. The Digest contains seven chapters: All Levels of Education, Elementary and Secondary Education, Postsecondary Education, Federal Programs for Education and Related Activities, Outcomes of Education, International Comparisons of Education, and Libraries and Adult Education. Preceding these chapters is an Introduction that provides a brief overview of current trends in American education, which supplements the tabular materials in chapters 1 through 7. The Digest concludes with three appendixes. The first appendix, Guide to Sources, provides a brief synopsis of the surveys used to generate the Digest tables; the second, Definitions, is included to help readers understand terms used in the Digest; and the third, Index of Table Numbers, allows readers to quickly locate tables on specific topics. In addition to updating many of the statistics that have appeared in previous years, this edition contains new material, including: Percentage distribution of 6- to 18-year olds, by parent''s highest level of educational attainment, household type (either two-parent or single-parent), and child''s race/ethnicity (table 12); Enrollment and percentage distribution of enrollment in public elementary and secondary schools, by race/ethnicity and region (table 44); Number and percentage of public school students participating in programs for English language learners, by state (table 47); Children 3 to 21 years old served under Individuals with Disabilities Education Act, Part B, by age group and race/ethnicity (table 49); Percentage of 3-, 4-, and 5-year-old children enrolled in preprimary programs, by attendance status, level of program, and selected child and family characteristics (table 57); Number and enrollment of public elementary and secondary schools that have closed, by school level and type (table 109); Number and percentage distribution of public school students eligible for free or reduced-price lunch, by school level, locale, and student race/ethnicity (table 112); Public elementary and secondary charter schools and enrollment, by state (table 117); First-time kindergartners'' reading, mathematics, science, cognitive flexibility, and approaches to learning scale scores in fall and spring of the kindergarten year, by selected child, family, and school characteristics (table 135); Number and percentage distribution of kindergartners, by kindergarten entry status (i.e., early entrant, on-time entrant, delayed entrant, or kindergarten repeater) and selected child, family, and school characteristics (table 136); Kindergartners'' reading, mathematics, science, cognitive flexibility, and approaches to learning scale scores in fall and spring of the kindergarten year, by kindergarten entry status (table 137); Percentage of 9th-grade students participating in various school-sponsored and non-school-sponsored activities, by sex and race/ethnicity (table 183); Percentage of 4th-, 8th-, and 12th-graders absent from school in the last month, by selected student and school characteristics and number of days absent (table 187); Total and current expenditures per pupil in fall enrollment in public elementary and secondary schools, by function and subfunction (table 214); Total fall enrollment in all postsecondary institutions participating in Title IV programs, by degree-granting status and control of institution (table 222); Percentage of recent high school completers enrolled in 2-year and 4-year colleges, by income level (table 236); Number of postsecondary students who entered the student loan repayment phase, number of students who defaulted, and 2-year student loan cohort default rates, by level and control of institution (table 400); Number and percentage of persons 16 to 24 years old who were neither enrolled in school nor working, by educational attainment, age group, family poverty status, and race/ethnicity (table 429); Employment to population ratios of all persons, males, and females 16 to 64 years old, by age group and educational attainment (tables 431, 432, and 433); Unemployment rates of all persons, males, and females 16 to 64 years old, by age group and educational attainment (tables 434, 435, and 436); Percentage of high school students age 16 over who were employed, by age group, sex, race/ethnicity, family income, nativity, and hours worked per week (table 441); and Average reading literacy scale scores of fourth-graders and percentage whose schools emphasize reading skills and strategies at or before second grade or at third grade, by sex and country or other education system (table 462).
  financial stress in college students: Student Loans and the Dynamics of Debt Brad Hershbein, Kevin M. Hollenbeck, 2015-02-23 The papers included in this volume represent the most current research and knowledge available about student loans and repayment. It serves as a valuable reference for researchers and policymakers who seek a deeper understanding of how, why, and which students borrow for their postsecondary education; how this borrowing may affect later decisions; and what measures can help borrowers repay their loans successfully.
  financial stress in college students: College Stress Solutions Kelci Lynn Lucier, 2014-03-18 The tools you need to overcome everyday stress! Between trying to make the grade and finding a job in a market that continues to stagnate, there's more pressure than ever before to succeed. But the stress that comes from this pressure can also keep you from achieving your goals. College Stress Solutions teaches you how to use simple exercises to overcome your anxiety and find success while at school. From completing assignments on a tight deadline to dealing with classmates to thinking about your future, this book gives you the tools and advice you need to feel more calm, relaxed, and motivated each and every day. With these easy yet effective solutions, you'll conquer any social or academic demand that comes your way as you work toward your degree. Whether you're cramming for an exam or fighting with your roommate, you'll be able to move past your worries--and score the grades to prove it!
  financial stress in college students: Academically Adrift Richard Arum, Josipa Roksa, 2011-01-15 In spite of soaring tuition costs, more and more students go to college every year. A bachelor’s degree is now required for entry into a growing number of professions. And some parents begin planning for the expense of sending their kids to college when they’re born. Almost everyone strives to go, but almost no one asks the fundamental question posed by Academically Adrift: are undergraduates really learning anything once they get there? For a large proportion of students, Richard Arum and Josipa Roksa’s answer to that question is a definitive no. Their extensive research draws on survey responses, transcript data, and, for the first time, the state-of-the-art Collegiate Learning Assessment, a standardized test administered to students in their first semester and then again at the end of their second year. According to their analysis of more than 2,300 undergraduates at twenty-four institutions, 45 percent of these students demonstrate no significant improvement in a range of skills—including critical thinking, complex reasoning, and writing—during their first two years of college. As troubling as their findings are, Arum and Roksa argue that for many faculty and administrators they will come as no surprise—instead, they are the expected result of a student body distracted by socializing or working and an institutional culture that puts undergraduate learning close to the bottom of the priority list. Academically Adrift holds sobering lessons for students, faculty, administrators, policy makers, and parents—all of whom are implicated in promoting or at least ignoring contemporary campus culture. Higher education faces crises on a number of fronts, but Arum and Roksa’s report that colleges are failing at their most basic mission will demand the attention of us all.
  financial stress in college students: Handbook of Consumer Finance Research Jing Jian Xiao, 2016-05-30 This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.
  financial stress in college students: Financial Inclusion in Emerging Markets Ananda S., Dharmendra Singh, 2021-10-04 This book discusses ideas for stakeholders to develop strategies to access and use financial products and services such as deposits, loans, and fund transfer mechanism, insurance, payment services, and intermediaries, distribution channels at economical prices in order to cater to the needs of the poor and underprivileged people. Financial inclusion ensures ease of access, availability, and usage of the financial products and services to all the sections of the society. The book will help in recognizing the role of financial inclusion as one of the main drivers in reducing income inequality and thus supporting sustainable economic growth of the countries, especially of an emerging economy. The book provides conceptual and practical ideas from the practitioners, best practices from the experts, and empirical views from the researchers on the best practices and how to mitigate the challenges and issues plaguing the development of the financial inclusion.
  financial stress in college students: Stress and Mental Health William Avison, Ian H. Gotlib, 1994-07-31 Providing fresh insights into the complex relationship between stress and mental health, internationally recognized contributors identifie emerging conceptual issues, highlight promising avenues for further study, and detail novel methodological techniques for addressing contemporary empirical problems. Specific coverage includes stressful life events, chronic strains, psychosocial resources and mediators, vulnerability to stress, and mental health outcomes-thus providing researchers with a tool to take stock of the past and future of this field.
  financial stress in college students: Paying the Price Sara Goldrick-Rab, 2016-09-01 A “bracing and well-argued” study of America’s college debt crisis—“necessary reading for anyone concerned about the fate of American higher education” (Kirkus). College is far too expensive for many people today, and the confusing mix of federal, state, institutional, and private financial aid leaves countless students without the resources they need to pay for it. In Paying the Price, education scholar Sara Goldrick-Rab reveals the devastating effect of these shortfalls. Goldrick-Rab examines a study of 3,000 students who used the support of federal aid and Pell Grants to enroll in public colleges and universities in Wisconsin in 2008. Half the students in the study left college without a degree, while less than 20 percent finished within five years. The cause of their problems, time and again, was lack of money. Unable to afford tuition, books, and living expenses, they worked too many hours at outside jobs, dropped classes, took time off to save money, and even went without adequate food or housing. In many heartbreaking cases, they simply left school—not with a degree, but with crippling debt. Goldrick-Rab combines that data with devastating stories of six individual students, whose struggles make clear the human and financial costs of our convoluted financial aid policies. In the final section of the book, Goldrick-Rab offers a range of possible solutions, from technical improvements to the financial aid application process, to a bold, public sector–focused “first degree free” program. Honestly one of the most exciting books I've read, because [Goldrick-Rab has] solutions. It's a manual that I'd recommend to anyone out there, if you're a parent, if you're a teacher, if you're a student.—Trevor Noah, The Daily Show
  financial stress in college students: Crossing the Finish Line William G. Bowen, Matthew M. Chingos, Michael McPherson, 2009-09-08 Why so many of America's public university students are not graduating—and what to do about it The United States has long been a model for accessible, affordable education, as exemplified by the country's public universities. And yet less than 60 percent of the students entering American universities today are graduating. Why is this happening, and what can be done? Crossing the Finish Line provides the most detailed exploration ever of college completion at America's public universities. This groundbreaking book sheds light on such serious issues as dropout rates linked to race, gender, and socioeconomic status. Probing graduation rates at twenty-one flagship public universities and four statewide systems of public higher education, the authors focus on the progress of students in the entering class of 1999—from entry to graduation, transfer, or withdrawal. They examine the effects of parental education, family income, race and gender, high school grades, test scores, financial aid, and characteristics of universities attended (especially their selectivity). The conclusions are compelling: minority students and students from poor families have markedly lower graduation rates—and take longer to earn degrees—even when other variables are taken into account. Noting the strong performance of transfer students and the effects of financial constraints on student retention, the authors call for improved transfer and financial aid policies, and suggest ways of improving the sorting processes that match students to institutions. An outstanding combination of evidence and analysis, Crossing the Finish Line should be read by everyone who cares about the nation's higher education system.
  financial stress in college students: College Success Amy Baldwin, 2020-03
  financial stress in college students: International Student Security Simon Marginson, Chris Nyland, Erlenawati Sawir, Helen Forbes-Mewett, 2010-05-10 More than three million students globally are on the move each year, crossing borders for their tertiary education. Many travel from Asia and Africa to English speaking countries, led by the United States, including the UK, Australia and New Zealand where students pay tuition fees at commercial rates and prop up an education export sector that has become lucrative for the provider nations. But the 'no frills' commercial form of tertiary education, designed to minimise costs and maximise revenues, leaves many international students inadequately protected and less than satisfied. International Student Security draws on a close study of international students in Australia, and exposes opportunity, difficulty, danger and courage on a massive scale in the global student market. It works through many unresolved issues confronting students and their families, including personal safety, language proficiency, finances, sub-standard housing, loneliness and racism.
  financial stress in college students: IBM SPSS Statistics 25 Step by Step Darren George, Paul Mallery, 2018-10-16 IBM SPSS Statistics 25 Step by Step: A Simple Guide and Reference, fifteenth edition, takes a straightforward, step-by-step approach that makes SPSS software clear to beginners and experienced researchers alike. Extensive use of four-color screen shots, clear writing, and step-by-step boxes guide readers through the program. Exercises at the end of each chapter support students by providing additional opportunities to practice using SPSS. This book covers both the basics of descriptive statistical analysis using SPSS through to more advanced topics such as multiple regression, multidimensional scaling and MANOVA, including instructions for Windows and Mac. This makes it ideal for both undergraduate statistics courses and for postgraduates looking to further develop their statistics and SPSS knowledge. New to this edition: Updated throughout to SPSS 25 Updated / restructured material on: Chart Builder; Univariate ANOVA; moderation on two- and three-way ANOVA; and Factor Analytic Techniques (formerly Factor Analysis structure) New material on computing z and T scores, and on computing z scores within descriptive statistics Clearer in-chapter links between the type of data and type of research question that the procedure can answer Updated / additional datasets, exercises, and expanded Companion Website material, including Powerpoint slides for instructors
  financial stress in college students: College Student Affairs Journal Aaron Hughey, April Heiselt, 2014-01-01
  financial stress in college students: First-generation Students Anne-Marie Nuñez, 1998
  financial stress in college students: Student Stress in Higher Education Aloka, Peter, 2023-12-07 In the realm of higher education, the journey to academic success is often accompanied by an array of challenges, particularly in the form of stress and its profound impact on mental health. The multifaceted nature of these challenges, stemming from a variety of factors, has sparked significant interest among scholars and educators alike. Student Stress in Higher Education delves into the intricate interplay between stressors, coping mechanisms, and the psychological well-being of students within higher education institutions. This book addresses a conspicuous gap in existing literature, meticulously examining the dimensions of stress uniquely experienced in higher education settings. The chapters contained within illuminate various facets of this complex issue. From the barriers obstructing effective stress management to the gender disparities in mental health experiences, each chapter dissects a critical aspect of the overarching theme. The insights garnered from these chapters hold potential to reshape institutional approaches to mental health awareness and support. This book serves as a beacon of knowledge for a diverse readership. Scholars seeking to explore the nuanced landscape of student well-being will find this volume to be an indispensable resource. Administrators and counselors entrusted with the welfare of students will discover pragmatic approaches to aid students in acclimating to the challenges of higher education. From gender-specific stress manifestations to the intricacies of institutional mental health provision, this book delivers a holistic perspective.
  financial stress in college students: Understanding the Working College Student Laura W. Perna, 2023-07-14 How appropriate for today and for the future are the policies and practices of higher education that largely assume a norm of traditional-age students with minimal on-campus, or no, work commitments?Despite the fact that work is a fundamental part of life for nearly half of all undergraduate students – with a substantial number of “traditional” dependent undergraduates in employment, and working independent undergraduates averaging 34.5 hours per week – little attention has been given to how working influences the integration and engagement experiences of students who work, especially those who work full-time, or how the benefits and costs of working differ between traditional age-students and adult students.The high, and increasing, prevalence and intensity of working among both dependent and independent students raises a number of important questions for public policymakers, college administrators, faculty, academic advisors, student services and financial aid staff, and institutional and educational researchers, including: Why do so many college students work so many hours? What are the characteristics of undergraduates who work? What are the implications of working for students’ educational experiences and outcomes? And, how can public and institutional policymakers promote the educational success of undergraduate students who work? This book offers the most complete and comprehensive conceptualization of the “working college student” available. It provides a multi-faceted picture of the characteristics, experiences, and challenges of working college students and a more complete understanding of the heterogeneity underlying the label “undergraduates who work” and the implications of working for undergraduate students’ educational experiences and outcomes. The volume stresses the importance of recognizing the value and contribution of adult learners to higher education, and takes issue with the appropriateness of the term “non-traditional” itself, both because of the prevalence of this group, and because it allows higher education institutions to avoid considering changes that will meet the needs of this population, including changes in course offerings, course scheduling, financial aid, and pedagogy.
  financial stress in college students: Leaving College Vincent Tinto, 2012-04-27 In this 1994 classic work on student retention, Vincent Tinto synthesizes far-ranging research on student attrition and on actions institutions can and should take to reduce it. The key to effective retention, Tinto demonstrates, is in a strong commitment to quality education and the building of a strong sense of inclusive educational and social community on campus. He applies his theory of student departure to the experiences of minority, adult, and graduate students, and to the situation facing commuting institutions and two-year colleges. Especially critical to Tinto’s model is the central importance of the classroom experience and the role of multiple college communities.
  financial stress in college students: Achieving $5 Trillion Economy of India Arti Chandani, Rajiv Divekar, J. K. Nayak, 2023-02-04 The contents of this volume focuses on the economic issues such as income inequality, foreign direct investment, world income classification, business issues such as customer churn analysis, internal branding, human resources issues among others. The papers were presented during the 11th Annual Research Conference of Symbiosis Institute of Management Studies (SIMSARC2020). The book also focuses on the information technology and its application for the business in the form of social media, role of artificial intelligence etc. The contents of the volume are highly relevant, consisting of recent data and results, and based on strong research and statistical analysis. They widely cover the business, society and environmental issues faced in the present times, and the challenges faced by India to reach its goal of a trillion dollar economy. The papers not only discuss the issues but also come up with research based solutions and will be of interest to scholars, corporates, policy makers, and academics alike.
  financial stress in college students: Financial Peace Dave Ramsey, 2002-01-01 Dave Ramsey explains those scriptural guidelines for handling money.
  financial stress in college students: Food Insecurity on Campus Katharine M. Broton, Clare L. Cady, 2020-05-12 The hidden problem of student hunger on college campuses is real. Here's how colleges and universities are addressing it. As the price of college continues to rise and the incomes of most Americans stagnate, too many college students are going hungry. According to researchers, approximately half of all undergraduates are food insecure. Food Insecurity on Campus—the first book to describe the problem—meets higher education's growing demand to tackle the pressing question How can we end student hunger? Essays by a diverse set of authors, each working to address food insecurity in higher education, describe unique approaches to the topic. They also offer insights into the most promising strategies to combat student hunger, including • utilizing research to raise awareness and enact change; • creating campus pantries, emergency aid programs, and meal voucher initiatives to meet immediate needs; • leveraging public benefits and nonprofit partnerships to provide additional resources; • changing higher education systems and college cultures to better serve students; and • drawing on student activism and administrative clout to influence federal, state, and local policies. Arguing that practice and policy are improved when informed by research, Food Insecurity on Campus combines the power of data with detailed storytelling to illustrate current conditions. A foreword by Sara Goldrick-Rab further contextualizes the problem. Offering concrete guidance to anyone seeking to understand and support college students experiencing food insecurity, the book encourages readers to draw from the lessons learned to create a comprehensive strategy to fight student hunger. Contributors: Talia Berday-Sacks, Denise Woods-Bevly, Katharine M. Broton, Clare L. Cady, Samuel Chu, Sarah Crawford, Cara Crowley, Rashida M. Crutchfield, James Dubick, Amy Ellen Duke-Benfield, Sara Goldrick-Rab, Jordan Herrera, Nicole Hindes, Russell Lowery-Hart, Jennifer J. Maguire, Michael Rosen, Sabrina Sanders, Rachel Sumekh
  financial stress in college students: Mental Health, Substance Use, and Wellbeing in Higher Education National Academies of Sciences, Engineering, and Medicine, Health and Medicine Division, Policy and Global Affairs, Board on Health Sciences Policy, Board on Higher Education and Workforce, Committee on Mental Health, Substance Use, and Wellbeing in STEMM Undergraduate and Graduate Education, 2021-03-05 Student wellbeing is foundational to academic success. One recent survey of postsecondary educators found that nearly 80 percent believed emotional wellbeing is a very or extremely important factor in student success. Studies have found the dropout rates for students with a diagnosed mental health problem range from 43 percent to as high as 86 percent. While dealing with stress is a normal part of life, for some students, stress can adversely affect their physical, emotional, and psychological health, particularly given that adolescence and early adulthood are when most mental illnesses are first manifested. In addition to students who may develop mental health challenges during their time in postsecondary education, many students arrive on campus with a mental health problem or having experienced significant trauma in their lives, which can also negatively affect physical, emotional, and psychological wellbeing. The nation's institutions of higher education are seeing increasing levels of mental illness, substance use and other forms of emotional distress among their students. Some of the problematic trends have been ongoing for decades. Some have been exacerbated by the COVID-19 pandemic and resulting economic consequences. Some are the result of long-festering systemic racism in almost every sphere of American life that are becoming more widely acknowledged throughout society and must, at last, be addressed. Mental Health, Substance Use, and Wellbeing in Higher Education lays out a variety of possible strategies and approaches to meet increasing demand for mental health and substance use services, based on the available evidence on the nature of the issues and what works in various situations. The recommendations of this report will support the delivery of mental health and wellness services by the nation's institutions of higher education.
  financial stress in college students: Indebted Caitlin Zaloom, 2021-05-04 'Indebted' takes readers into the homes of middle-class families throughout the nation to reveal the hidden consequences of student debt and the ways that financing college has transformed family life--Amazon
  financial stress in college students: Financial Therapy Bradley T. Klontz, Sonya L. Britt, Kristy L. Archuleta, 2014-09-10 Money-related stress dates as far back as concepts of money itself. Formerly it may have waxed and waned in tune with the economy, but today more individuals are experiencing financial mental anguish and self-destructive behavior regardless of bull or bear markets, recessions or boom periods. From a fringe area of psychology, financial therapy has emerged to meet increasingly salient concerns. Financial Therapy is the first full-length guide to the field, bridging theory, practical methods, and a growing cross-disciplinary evidence base to create a framework for improving this crucial aspect of clients' lives. Its contributors identify money-based disorders such as compulsive buying, financial hoarding, and workaholism, and analyze typical early experiences and the resulting mental constructs (money scripts) that drive toxic relationships with money. Clearly relating financial stability to larger therapeutic goals, therapists from varied perspectives offer practical tools for assessment and intervention, advise on cultural and ethical considerations, and provide instructive case studies. A diverse palette of research-based and practice-based models meets monetary mental health issues with well-known treatment approaches, among them: Cognitive-behavioral and solution-focused therapies. Collaborative relationship models. Experiential approaches. Psychodynamic financial therapy. Feminist and humanistic approaches. Stages of change and motivational interviewing in financial therapy. A text that serves to introduce and define the field as well as plan for its future, Financial Therapy is an important investment for professionals in psychotherapy and counseling, family therapy, financial planning, and social policy.
  financial stress in college students: Social Class and Classism in the Helping Professions William M. Liu, 2011 Social Class and Classism in the Helping Professions is a supplementary text that is intended for courses in multicultural counseling/prejudice, which is found in departments of counseling, psychology, social work, sociology and human services. The book addresses a topic that is highly relevant in working with minority clients, yet has not received adequate treatment in many core textbooks in this arena. This book provides a thorough overview of mental health and social class and how social class and classism affect mental health and seeking treatment. Social class and classism cut across all racial and ethnic minority groups and is thus an important factor that needs to be highly considered when working withádiverse clients. The book examines the differences among poverty, classism and inequality and how it affects development across the life span (from infancy through the elder years). Most importantly, the book offers concrete, practical recommendations for counselors, students, and trainees.
  financial stress in college students: Guaranteed Student Loans United States. General Accounting Office, 1992
  financial stress in college students: Hey AdmissionsMom Carolyn Allison Caplan, 2019-03-15 Welcome to a no-nonsense, unconventional approach to college admissions! Hey AdmissionsMom: Real Talk from Reddit from the voices of r/ApplyingToCollege, with Carolyn Allison Caplan, aka u/admissionsmom FRONT DOOR COLLEGE ADMISSIONS HELP Discover what over 100,000 engaged r/ApplyingToCollege subscribers are learning about as they discuss a fresh approach to college admissions. With Hey AdmissionsMom, Carolyn and the kids from r/ApplyingToCollege give you a place to stop trying to figure out what your top schools want in you and instead ask yourself, What do I want out of life when I leave high school? What do I see for myself? You're a talented, interesting student, and when you really know who you are, you're going to make the best decisions for yourself As a sophomore or junior entering the college admissions process, maybe you're overwhelmed by the paperwork, school descriptions, test score requirements, extracurricular activity options, and the daunting task of figuring it all out without losing yourself. Others of you already started the college admissions process and feel okay about your applications, but you're struggling with the personal statement or essays. Or, you want permission not to be a carbon copy of the ideal student and want out-of-the-box ways to be yourself, both in life and in the admissions process. And you're not just managing your expectations, but also your parents. College admissions can be especially intimidating if your high school sucks, you're first in your family to go to college, or you haven't always been a model student. You might also be a concerned parent or mentor looking for a guide designed not to stress you and your kid out and might even help with that as you learn the ropes of college admissions. For all the times you or your high school student thought, There has to be a better way, when you hear advice about high-performance, achievement, and crazy amounts of EC's (extracurriculars)... You were right. You just found it. Hey AdmissionsMom: Real Talk from Reddit In this refreshingly honest, irreverent digest of college admissions questions and answers from u/admissionsmom and the subreddit, r/ApplyingToCollege, you'll find 37 bite-sized chapters of practical information, inspiring personal stories, insider tips, and yes, we have to be honest about this here - the occasional swear word, too. The time is NOW for you to: Focus on who you are, what you want from life, and how college fits into your goals, not the reverse Write essays and personal statements that actually sound like you, the real you Stop being one of 50,000 students applying to the same 20 colleges Stay positive even if you're not valedictorian or you didn't cure cancer (nobody else has either -- yet) Find questions asked by students just like you, so you don't feel alone or like you're the only one who doesn't already have it all figured out Take a deep breath as you learn about mindfulness By the end of Hey AdmissionsMom: Real Talk from Reddit, you will have peeled back the layers of your authentic self and be able to appreciate your personality traits, interests, and talents as you breathe and apply to college with a smile.
  financial stress in college students: The Experience of International Students Before and During COVID-19 Alan Morris, 2020-08-05 Report on two surveys on the housing circumstances of international students.
  financial stress in college students: College Students and Their Environments Cathy Akens, Raquel Wright-Mair, Joseph Martin Stevenson, 2019-07-24 The best value that the reader will take from this book is the knowledge, skills, and wisdom offered by the editors and 26 chapter authors. The book offers many unique features on how to create a college environment that fosters student learning, growth, development, and supports student success. The book approaches the college environment issue from a philosophical foundation and shows the reader what has made student affairs work increasingly complex. By identifying some major shifts of student affairs work in history, the text demonstrates how student affairs service providers became student affairs educators who actively shape the environment instead of being shaped or reactionary. The book provides insights and implications on how the environmental theories might inform practice and also recommends how to study campus environments. Furthermore, the text clarifies what student access is, explores the primary frameworks used to boost student success, and suggest what student affairs educators should consider when implementing student success initiatives. Additionally, the book addresses the intersection of professional competency areas through campus environment cultivation with social justice and inclusion for diverse student populations. Particularly, the book provides useful and practical examples of how faculty can work with graduate students in training to conduct an assessment of student needs and success. This book is purposely written for those who are training to become student affairs educators and those who are newer in the profession. It not only provides the reader with a theoretical framework, but also some direction on how to create a college environment that is socially justice and inclusive.
  financial stress in college students: The Promise of Adolescence National Academies of Sciences, Engineering, and Medicine, Health and Medicine Division, Division of Behavioral and Social Sciences and Education, Board on Children, Youth, and Families, Committee on the Neurobiological and Socio-behavioral Science of Adolescent Development and Its Applications, 2019-07-26 Adolescenceâ€beginning with the onset of puberty and ending in the mid-20sâ€is a critical period of development during which key areas of the brain mature and develop. These changes in brain structure, function, and connectivity mark adolescence as a period of opportunity to discover new vistas, to form relationships with peers and adults, and to explore one's developing identity. It is also a period of resilience that can ameliorate childhood setbacks and set the stage for a thriving trajectory over the life course. Because adolescents comprise nearly one-fourth of the entire U.S. population, the nation needs policies and practices that will better leverage these developmental opportunities to harness the promise of adolescenceâ€rather than focusing myopically on containing its risks. This report examines the neurobiological and socio-behavioral science of adolescent development and outlines how this knowledge can be applied, both to promote adolescent well-being, resilience, and development, and to rectify structural barriers and inequalities in opportunity, enabling all adolescents to flourish.
  financial stress in college students: Letter from Birmingham Jail Martin Luther King, 2025-01-14 A beautiful commemorative edition of Dr. Martin Luther King's essay Letter from Birmingham Jail, part of Dr. King's archives published exclusively by HarperCollins. With an afterword by Reginald Dwayne Betts On April 16, 1923, Dr. Martin Luther King Jr., responded to an open letter written and published by eight white clergyman admonishing the civil rights demonstrations happening in Birmingham, Alabama. Dr. King drafted his seminal response on scraps of paper smuggled into jail. King criticizes his detractors for caring more about order than justice, defends nonviolent protests, and argues for the moral responsibility to obey just laws while disobeying unjust ones. Letter from Birmingham Jail proclaims a message - confronting any injustice is an acceptable and righteous reason for civil disobedience. This beautifully designed edition presents Dr. King's speech in its entirety, paying tribute to this extraordinary leader and his immeasurable contribution, and inspiring a new generation of activists dedicated to carrying on the fight for justice and equality.
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