For several years, advocacy groups have recognized the need to strengthen financial education in the K-12 schools. Current statistics support their concerns. Financial illiteracy in the United States is astoundingly high. From 1992 to 2000, disposable personal income for Americans rose by 47 percent, but personal spending rose by 61 percent. In…

Traditionally, African American students display a low-rate of seeking mental health treatment. Issues such as mistrust of White therapists, attitudes toward mental health problems, and African American spirituality affect their help-seeking behavior. The present study examined a sample of 134 African American students at a Historically Black…

According to Senator Daniel Akaka, sponsor of the 2004 Credit Card Minimum Payment Warning Act, 45% of college students are in credit card debt, with an average debt of US$ 3,000. Moreover, 150,000 young adults between the ages of 18-24 declared bankruptcy last year. In this article, the author describes how financial literacy can educate young…

A common justification for state-sponsored merit scholarships like Georgia's HOPE program is to promote academic achievement. However, grade-based retention rules encourage other behavioral responses. Using longitudinal records of enrolled undergraduates at the University of Georgia between 1989 and 1997, we estimate the effects of HOPE on…

This study presents the development of a 91-item instrument to measure what pre-service teachers know about effective teaching in urban schools. The instrument, Teaching in Urban Schools Scale, was piloted and then refined and conducted with 248 graduate students in a teacher education program. Validity of the scale was investigated and revealed…

A professional wants to pursue a master's degree, but children and a full-time job make the two-hour drive to the nearest graduate school impossible. A sophomore wants to advance to baccalaureate studies, yet simply cannot afford to move and live on campus. Many professionals and community college students in areas lacking four-year institutions…

In early 2003, two distinguished researchers in school law analyzed aspects of the law vis-a-vis vouchers and tax credits and the public schools (McCarthy, 2003; Welner, 2003). The issues were confusing, and the author wondered how educators and the public responded. How can policy makers make reasonable decisions about public education without a…

When Gilberto Zelaya visited South Africa in 2000, he was struck by the high level of voter participation and turnout in that country. Back in the United States, Zelaya decided to work on voter participation in this country. As the voter empowerment director for the Montgomery County Board of Elections in Maryland, he organized a pilot program in…

The purpose of this paper is to describe basic skills students in relation to their participation in basic skills and their success in transitioning to college-level classes, and the momentum they gain towards college success from this participation. In the period of time covered by the data used for this analysis, 24 colleges offered I-BEST…

This paper studies the nature and impact of credit constraints in the market for human capital. We derive endogenous constraints from the design of government student loan programs and from the limited repayment incentives in private lending markets. These constraints imply cross-sectional patterns for schooling, ability, and family income that…

In their paper entitled "Why should postsecondary institutions consider partnering to offer (Individual Development Accounts (IDAs)?" the authors reviewed frequently asked questions they encountered from higher education professionals about IDAs, but as their research continued so did the questions. FAQ II has more in-depth questions and…

The Secretary of Education's Commission on the Future of Higher Education and the subsequent review of federal regulations dealing with accreditation by the U.S. Department of Education have energized a national dialogue on fundamental issues concerning student learning, quality assurance, educational effectiveness, and transfer of credit. We…

The time it takes to teach and take classes has been the subject of much speculation, but no accurate standard exists to measure the amount of time instructors and students dedicate to courses. The most common measure of workload has been the credit system. As administrators push faculty toward teaching online or adding online components to their…

In October 1999, the British government enacted the Working Families' Tax Credit, which aimed at encouraging work among low-income families with children. This paper uses panel data collected between 1991 and 2001 to evaluate the effect of this reform on single mothers. We find that the reform led to a substantial increase in their employment rate…

This annual publication contains 66 presentations, poster sessions, papers, and panel and workshop sessions. Invited and refereed papers are as follows: "View from the States" (Humphrey); "Consumer Policy Perspectives" (Byrne); "Consumers' Response to Credit Card Solicitations" (Hogarth, Shue); "Welfare Impact of…