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A Case Study of TRIO's Role in Promoting Students' Self-Perceived Financial Literacy Public Deposited

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  • College students are learning to make increasingly complex financial decisions, facing high tuition and living costs while having limited means to make a living. Studies show that most college students lack sufficient financial literacy. They need a well-designed financial education, especially if they are low-income, first-generation students whose parents are less financially capable and educated. This study defines financial literacy as the ability to use knowledge and skills to manage one’s financial resources effectively as well as the confidence to apply such knowledge and skills in real life. To look into the components of financial education and their impacts in one particular TRIO program which mainly serves low-income, first-generation students, I conducted a case study and collected data from multiple sources. They include an informational interview with the program Assistant Director, a focus group of TRIO participants, an individual interview with a course instructor, and relevant documents and artifacts. I used direct content analysis informed by Social Learning Theory, and found that TRIO provided a well-designed package of financial education but further work is needed to enhance students’ self-efficacy through providing more social learning opportunities, and setting personalized expectations and goals for individual students as part of the financial education in TRIO.
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