In this paper, we examine college graduates' perceptions of entering student loan repayment and how they navigated this process. Findings highlight the importance of helping students make informed borrowing decisions, particularly as they begin repaying their student loan debt. Policy makers wishing to hold institutions accountable for keeping…

There is a growing awareness of the importance of financial education and literacy in personal economic success, yet not many Generation Z are proficient in this area. The lack of understanding can lead to consequences such as not recognizing the need for greater retirement savings, making poor spending decisions, or when overpaying off…

Previous research has shown that the UK has low levels of financial literacy by international standards, particularly among those in lower socio-economic groups. This may have an impact upon young people, with social inequalities in financial attitudes, behaviours and skills perpetuating across generations. Using parent-child linked survey data…

Financial literacy is crucial for making sound financial decisions and living a better life. However, the field of finance is full of abstract concepts, such as inflation, liquidity, asset allocation and credit. Abstract concepts may be harder to comprehend than concrete concepts due to their lack of tangible referents in the physical world. In…

This article proposes an in-depth mathematics analysis of simple and compound interest through an exploration of the mathematical structures underlying these concepts. Financial numeracy concepts (simple and compound interest, interest rates, interest period, present and future value, etc.) have been added to the mathematics curriculum of the…

First-generation college students often experience disproportionate levels of stress, anxiety, and an overall lack of preparation for undergraduate education in comparison to their multigenerational peers. This can include differing levels of financial support and literacy. These differences can have a significant impact on these students' levels…

The Century of Turkey Education Model, introduced in 2024, emphasizes developing critical thinking and analytical skills, with the Mathematics Curriculum. This curriculum integrates literacy skills in learning objectives, particularly financial literacy, to empower students in making informed economic decisions and managing resources effectively.…

This study used the 2015 National Financial Capability Study to investigate the relationships among financial capability, financial education, and student loan debt outcomes. Specifically, this study examines four student loan outcomes: delinquency, stress, preparation, and satisfaction among borrowers who obtained loans for themselves. Three…

Financial literacy scales are often used as a diagnostic tool to assess financial knowledge levels among various populations, although few of them have undergone empirical testing. This study utilized exploratory factor analysis (EFA) with a sample of Chinese rural migrant workers to identify the underlying structure of a financial literacy scale…

Financial literacy education is often narrowly conceptualized as teaching students how to manage their finances. Furthermore, few studies have investigated teachers' beliefs and approaches to teaching financial literacy beyond whether they have the knowledge and capacity to deliver personal finance lessons. This case study explores the ways in…

Agricultural extension plays a vital role in closing the capacity gaps of smallholder farmers throughout low- and middle-income countries, and there is an increasing interest to improve extension outcomes due to its central role in improving livelihood outcomes. Central to this interest is widening the scope of extension content to cover essential…

This paper discusses adults who are dealing with limited financial means under the premises of disability and over-indebtedness. To this end, the authors examined the concepts of vulnerability, financial literacy and the numerate environment for systematising and presenting findings from a qualitative secondary analysis of qualitative data sets…

The three studies included in this dissertation collectively aim to highlight the negative impact that culturally homogenous academic, social, and financial systems on college campuses have on the experiences of culturally diverse college students. Currently the academic, social, and financial experiences of college students are not structured to…

Education plays a very important role in improving the quality of human resources. In higher education, students need learning that is innovative and not monotonous so that learning goals can be achieved. In this research, what will be discussed further is the development of learning methods by combining 2 methods, namely Cooperative Based…

Through assigning one-on-one instructional coaches, the Teaching Skills That Matter (TSTM) initiative successfully supported teachers in 33 states to integrate the skills that matter into instruction using effective approaches in five topical areas: health literacy, civics education, digital literacy, financial literacy, and workforce preparation.…