CFEE Guidebook

42 BUILDING FINANCIAL CAPABILITY THROUGH FINANCIAL COACHING NOTES 1 Jean Johnson et al., With Their Whole Lives Ahead of Them: Myths and Realities About Why So Many Students Fail to Finish College (New York: Public Agenda, 2009). 2 “Latest Data Reveals Little Improvement in College Persistence for First-time Students,” National Student Clearinghouse Blog, July 10, 2019, https://www.studentclearinghouse.org/ nscblog/latest-data-reveals-little-improvement- in-college-persistence-for-first-time-students/. 3 “SparkPoint: One-Stop Service for Financial Education and Coaching,” Skyline Community College, accessed July 3, 2019, https://www. skylinecollege.edu/sparkpoint/. 4 Judy T. Lin et al., The State of US Financial Capability: The 2018 National Financial Capa- bility Study (Washington, DC: FINRA Investor Education Foundation, 2019), https://www.usfinancialcapability.org/down- loads/NFCS_2018_Report_Natl_Findings.pdf . 5 Daniel Fernandes, John Lynch, and Richard Netemeyer, “Financial Literacy, Financial Edu- cation, and Downstream Financial Behaviors,” Management Science 60, no. 8 (2014). 6 Consumer Financial Protection Bureau, Finan- cial Coaching: A Strategy to Improve Financial Well-Being (Washington, DC: US Consumer Financial Protection Bureau, 2016), https://files.consumerfinance.gov/f/docu- ments/102016_cfpb_Financial_Coaching_Strate- gy_to_Improve_Financial_Well-Being.pdf. 7 Regina Stanback-Stroud, “When Colleges Get It Right, Students Succeed,” What It’s Worth: Strengthening the Financial Future of Families, Communities, and the Nation (San Francisco: Federal Reserve Bank of San Francisco and Corpo- ration for Enterprise Development, 2015): 231. 8 Sarah Savage and Erin Graves, Promoting Path- ways to Financial Stability: A Resource Handbook on Building Financial Capabilities of Community College Students (Boston: The Federal Reserve Bank of Boston, 2015). 9 “Community College FAQs,” Community College Research Center, Teacher’s College, Columbia University, accessed July 12, 2019, https://ccrc. tc.columbia.edu/Community-College-FAQs.html. 10 Sarah Savage and Erin Graves, Promoting Pathways to Financial Stability: A Resource Handbook on Building Financial Capabilities of Community College Students (Boston: The Federal Reserve Bank of Boston, 2015). 11 Sarah Savage and Erin Graves, Promoting Path- ways to Financial Stability: A Resource Handbook on Building Financial Capabilities of Community College Students (Boston: The Federal Reserve Bank of Boston, 2015). 12 Susan Choy, Findings from the Condition of Education 2002: Nontraditional Undergraduates (Washington, DC: US Department of Education, National Center for Education Statistics, 2002), https://nces.ed.gov/pubs2002/2002012.pdf. 13 Jean Johnson et al., With Their Whole Lives Ahead of Them: Myths and Realities About Why So Many Students Fail to Finish College (New York: Public Agenda, 2009). 14 Jacob P. K. Gross, Osman Cekic, Don Hossler, and Nick Hillman, “What Matters in Student Loan Default: A Review of the Research Litera- ture,” Journal of Student Financial Aid 39, no. 1 (2009).