{"id":1895,"date":"2018-08-28T18:36:24","date_gmt":"2018-08-28T18:36:24","guid":{"rendered":"https:\/\/www.afcpe.org\/?page_id=1895"},"modified":"2025-08-11T14:03:44","modified_gmt":"2025-08-11T18:03:44","slug":"symposium-poster-award","status":"publish","type":"page","link":"https:\/\/www.afcpe.org\/membership\/awards\/symposium-poster-award\/","title":{"rendered":"Symposium Poster Award"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1895\" class=\"elementor elementor-1895\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-7464944c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"94837\" data-id=\"7464944c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-25fae4cb\" data-eae-slider=\"69410\" data-id=\"25fae4cb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bbf676f elementor-widget elementor-widget-text-editor\" data-id=\"6bbf676f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"color: #5d89b3;\">Congratulations to winners of the Outstanding Symposium Poster Award!<\/span><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84f6516 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"84f6516\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-9b6a8d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"52236\" data-id=\"9b6a8d9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b999876\" data-eae-slider=\"88643\" data-id=\"b999876\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4d4bd6 elementor-widget elementor-widget-image\" data-id=\"c4d4bd6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/McHann_Lynn_16929_100924110225-1024x1024.jpeg\" class=\"attachment-large size-large wp-image-37496\" alt=\"This is the headshot of an award winner standing in front of a red brick background wearing a black blazer with a green shirt and black glasses.\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/McHann_Lynn_16929_100924110225-1024x1024.jpeg 1024w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/McHann_Lynn_16929_100924110225-300x300.jpeg 300w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/McHann_Lynn_16929_100924110225-150x150.jpeg 150w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/McHann_Lynn_16929_100924110225-768x768.jpeg 768w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/McHann_Lynn_16929_100924110225-1536x1536.jpeg 1536w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/McHann_Lynn_16929_100924110225-2048x2048.jpeg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-270ef96\" data-eae-slider=\"11235\" data-id=\"270ef96\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-587bd40 elementor-widget elementor-widget-text-editor\" data-id=\"587bd40\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2024: <b>Lynn McHann<\/b><\/span><\/h3><p><strong>The 2024 award goes to Lynn McHann for \u201cLaughing All the Way to the Bank: A YouTube Guide to Financial Wellness for Young Adults.&#8221;<\/strong><\/p><p>Discover the innovative approach of &#8220;Laughing All the Way to the Bank: A YouTube Guide to Financial Wellness for Young Adults&#8221; at our upcoming poster presentation. This session is designed for financial wellness industry professionals eager to learn about engaging young adults through digital media. Our YouTube series breaks down complex financial concepts into fun, easy-to-understand episodes that resonate with a younger audience.<\/p><p>The poster will detail our content strategy, audience engagement techniques, and the educational outcomes observed from the series. Learn how humor and relatable storytelling can transform traditional financial education into captivating content that empowers young adults to make informed financial decisions. Whether you&#8217;re looking to enhance your current programs or explore new educational methods, this presentation will provide valuable insights into the power of social media in financial education. Join us to see how we&#8217;re making financial literacy educational and entertaining!<\/p><p><b>Lynn McHann, <\/b><b>Financial Coach, Inked Education<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-48260fb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"48260fb\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-b0302b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"87331\" data-id=\"b0302b9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f5ed6e3\" data-eae-slider=\"99874\" data-id=\"f5ed6e3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2cfffed elementor-widget elementor-widget-image\" data-id=\"2cfffed\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Whiteley_Jenni_21615_111022084354.jpeg\" class=\"attachment-large size-large wp-image-37440\" alt=\"Award winner Jenni Whitely smiling in front of a white background in a white sweater\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Whiteley_Jenni_21615_111022084354.jpeg 300w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Whiteley_Jenni_21615_111022084354-150x150.jpeg 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07a9cbb elementor-widget elementor-widget-image\" data-id=\"07a9cbb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Lee_Yoon_21628_052522035852.jpg\" class=\"attachment-large size-large wp-image-37442\" alt=\"Award winner Yoon Lee smiling in front of a partially patterned grey background wearing black glasses and a black sweater\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Lee_Yoon_21628_052522035852.jpg 300w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/Lee_Yoon_21628_052522035852-150x150.jpg 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-76ca86b\" data-eae-slider=\"65473\" data-id=\"76ca86b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56a6de4 elementor-widget elementor-widget-text-editor\" data-id=\"56a6de4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2023: <b>Jenni Whiteley <\/b>and <b>Yoon G. Lee<\/b><\/span><\/h3><p><strong>The 2023 award goes to <b>Jenni Whiteley and <\/b><b>Yoon G. Lee<\/b> for &#8220;Financial Perceptions, Financial Literacy, and Financial Behaviors among Young Adults aged 18-34&#8221;.<\/strong><\/p><p>Today\u2019s young adults are facing unprecedented barriers to making ends meet and securing their financial futures. In order to meet these financial challenges, financial educators, counselors, and planners will need to instruct and encourage young adults to diligently implement beneficial short-term and long-term financial behaviors. However, research shows that merely teaching them about good financial behavior is not enough to encourage behavior change. Thus, this study addressed psychological aspects of finances by investigating the impact of financial perceptions (financial worries and anxiety) and financial literacy (knowledge, application, and confidence) on financial behavior among young adults. The result of this study indicated that financial perceptions are significantly associated with young adults\u2019 financial behaviors. The findings of this study can help inform financial professionals as to areas of needed education and if\/when clients need to be referred to psychological professionals.<\/p><p><b>Jenni Whiteley, Adjunct Professor and Financial Coach, Utah State University and <\/b><b>Yoon G. Lee, Full Professor, Utah State University<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-266a4c7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"266a4c7\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-9ef29a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"33720\" data-id=\"9ef29a2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b50fed1\" data-eae-slider=\"47994\" data-id=\"b50fed1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a83d3b0 elementor-widget elementor-widget-image\" data-id=\"a83d3b0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Leslie-Green-Pimentel-1386-1-e1555119467224-1024x1024.jpg\" class=\"attachment-large size-large wp-image-7057\" alt=\"\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Leslie-Green-Pimentel-1386-1-e1555119467224-1024x1024.jpg 1024w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Leslie-Green-Pimentel-1386-1-e1555119467224-150x150.jpg 150w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Leslie-Green-Pimentel-1386-1-e1555119467224-300x300.jpg 300w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Leslie-Green-Pimentel-1386-1-e1555119467224-768x769.jpg 768w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Leslie-Green-Pimentel-1386-1-e1555119467224.jpg 1638w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60f350f elementor-widget elementor-widget-image\" data-id=\"60f350f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/11\/Narang-Park-Headshot-profile.jpg\" class=\"attachment-large size-large wp-image-27492\" alt=\"\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/11\/Narang-Park-Headshot-profile.jpg 250w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/11\/Narang-Park-Headshot-profile-150x150.jpg 150w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ba4c54e\" data-eae-slider=\"46548\" data-id=\"ba4c54e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c386b2 elementor-widget elementor-widget-text-editor\" data-id=\"4c386b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2022: Leslie Green and Narang Park<\/span><\/h3><p><strong>The 2022 award goes to Leslie Green and Narang Park for \u201cBarriers to Homeownership: Mortgage Loan Denials in Travis County, Texas.\u201d <\/strong><\/p><p>The racial homeownership gap in Travis County, Texas is examined by assessing the association of race and mortgage loan denial using 2020 Home Mortgage Disclosure Act data. The results show that African Americans, Asians, and Hispanics are between 1.64 and 2.26 times more likely to be denied a mortgage loan than White non-Hispanic applicants. The most common reasons for being denied are debt-to-income ratio and credit history. Implications for homeownership counseling and initiatives are discussed.<\/p><p><b>Leslie Green, Texas State University <\/b><br \/><b>Narang Park, University of\u00a0Georgia<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-1151049 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1151049\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-3221304 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"93566\" data-id=\"3221304\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1eadfd0\" data-eae-slider=\"2453\" data-id=\"1eadfd0\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe35842 gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"fe35842\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-1' class='gallery galleryid-1895 gallery-columns-1 gallery-size-medium'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"fe35842\" data-elementor-lightbox-title=\"LWH(1)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTg4NDcsInVybCI6Imh0dHBzOlwvXC93d3cuYWZjcGUub3JnXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIxXC8xMVwvTFdIMS5qcGciLCJzbGlkZXNob3ciOiJmZTM1ODQyIn0%3D\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/11\/LWH1.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"213\" height=\"300\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/11\/LWH1-213x300.jpg\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/11\/LWH1-213x300.jpg 213w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/11\/LWH1-726x1024.jpg 726w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/11\/LWH1-768x1084.jpg 768w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2021\/11\/LWH1.jpg 1080w\" sizes=\"(max-width: 213px) 100vw, 213px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e0e8c8 elementor-widget elementor-widget-image\" data-id=\"9e0e8c8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"819\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/10\/Russell-Mia-Breaking_Out_of_Financial_Ruin_-_A_Fina-Headshot--1024x819.jpg\" class=\"attachment-large size-large wp-image-12473\" alt=\"Mia Russell\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/10\/Russell-Mia-Breaking_Out_of_Financial_Ruin_-_A_Fina-Headshot--1024x819.jpg 1024w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/10\/Russell-Mia-Breaking_Out_of_Financial_Ruin_-_A_Fina-Headshot--300x240.jpg 300w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/10\/Russell-Mia-Breaking_Out_of_Financial_Ruin_-_A_Fina-Headshot--768x614.jpg 768w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/10\/Russell-Mia-Breaking_Out_of_Financial_Ruin_-_A_Fina-Headshot--1536x1228.jpg 1536w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/10\/Russell-Mia-Breaking_Out_of_Financial_Ruin_-_A_Fina-Headshot--2048x1637.jpg 2048w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/10\/Russell-Mia-Breaking_Out_of_Financial_Ruin_-_A_Fina-Headshot--scaled-e1604061133207.jpg 800w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\"><\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-8abab08\" data-eae-slider=\"23074\" data-id=\"8abab08\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-00cd999 elementor-widget elementor-widget-text-editor\" data-id=\"00cd999\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2021: Lorna Saboe-Wounded Head and Mia Russell<\/span><\/h3><p>An estimated 14 million college students were suddenly confronted with COVID-19 forcing them to navigate cancelled classes, remote learning, lack of social interaction, and abrupt relocation due to campus closures. Since the start of the pandemic, students have grown increasingly concerned about their financial future, employment opportunities, ability to manage money and afford college. The purpose of this study was to examine the extent to which COVID-19 influenced the relationship between financial well-being, needs satisfaction, and college persistence among college students. Findings from this study demonstrate the importance of financial well-being in students&#8217; success and persistence in college. Suggestions on how higher learning institutions, university administrators, and faculty can support their students amid COVID-19 are provided.<\/p><p><b>Lorna Saboe-Wounded Head, South Dakota State University Extension and Mia Russell, John Hopkins University<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-f6d11a3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"75275\" data-id=\"f6d11a3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6346112\" data-eae-slider=\"28683\" data-id=\"6346112\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38d86ce elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"38d86ce\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-3b4077d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"69682\" data-id=\"3b4077d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-c30229f\" data-eae-slider=\"9294\" data-id=\"c30229f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d52e165 gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"d52e165\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-2' class='gallery galleryid-1895 gallery-columns-1 gallery-size-medium'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"d52e165\" data-elementor-lightbox-title=\"Wallace Bechard, Camaya - Using_Needs_Assessments_to_Support_Finan (Headshot)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTI2MDMsInVybCI6Imh0dHBzOlwvXC93d3cuYWZjcGUub3JnXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIwXC8xMVwvV2FsbGFjZS1CZWNoYXJkLUNhbWF5YS1Vc2luZ19OZWVkc19Bc3Nlc3NtZW50c190b19TdXBwb3J0X0ZpbmFuLUhlYWRzaG90LS1zY2FsZWQuanBnIiwic2xpZGVzaG93IjoiZDUyZTE2NSJ9\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Wallace-Bechard-Camaya-Using_Needs_Assessments_to_Support_Finan-Headshot--scaled.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"225\" height=\"300\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Wallace-Bechard-Camaya-Using_Needs_Assessments_to_Support_Finan-Headshot--225x300.jpg\" class=\"attachment-medium size-medium\" alt=\"\" aria-describedby=\"gallery-2-12603\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Wallace-Bechard-Camaya-Using_Needs_Assessments_to_Support_Finan-Headshot--225x300.jpg 225w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Wallace-Bechard-Camaya-Using_Needs_Assessments_to_Support_Finan-Headshot--768x1024.jpg 768w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Wallace-Bechard-Camaya-Using_Needs_Assessments_to_Support_Finan-Headshot--1152x1536.jpg 1152w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Wallace-Bechard-Camaya-Using_Needs_Assessments_to_Support_Finan-Headshot--1536x2048.jpg 1536w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2020\/11\/Wallace-Bechard-Camaya-Using_Needs_Assessments_to_Support_Finan-Headshot--scaled.jpg 1920w\" sizes=\"(max-width: 225px) 100vw, 225px\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-2-12603'>\n\t\t\t\t2020 Recipient | Camaya Wallace Bechard\n\t\t\t\t<\/figcaption><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-cff577b\" data-eae-slider=\"40727\" data-id=\"cff577b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-735898d elementor-widget elementor-widget-text-editor\" data-id=\"735898d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2020: Camaya Wallace Bechard<\/span><\/h3><p>The 2020 Poster Award went to \u201cUsing Needs Assessments to Support Financial Literacy Programs in Non-Profit Agencies.&#8221; This poster presentation examined the role of needs assessment in designing or supporting financial education programs in non-profit agencies. This presentation included findings from a study with agency staff who works to deliver financial education for low-to-moderate-income individuals. It also focused on considerations for conducting financial education needs assessments in Extension.<\/p><p><strong>Camaya Wallace Bechard<\/strong> is a Consumer Economics Educator with University of Illinois Extension. She provides leadership in financial management to individuals, families, and communities. Wallace Bechard delivers educational programs that focus on building skills and knowledge about money management and financial decision-making. Wallace Bechard works with local and state Extension staff to provide leadership, training, and mentorship that support financial capabilities in all age groups.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-6ee68c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"93900\" data-id=\"6ee68c3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0a4b6c1\" data-eae-slider=\"86953\" data-id=\"0a4b6c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-516c146 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"516c146\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-f3d084f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"46727\" data-id=\"f3d084f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2e61035\" data-eae-slider=\"36730\" data-id=\"2e61035\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9804448 gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"9804448\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-3' class='gallery galleryid-1895 gallery-columns-1 gallery-size-medium'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"9804448\" data-elementor-lightbox-title=\"award-seal_Outstanding Symposium Poster\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6OTAyNSwidXJsIjoiaHR0cHM6XC9cL3d3dy5hZmNwZS5vcmdcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMTlcLzEwXC9hd2FyZC1zZWFsX091dHN0YW5kaW5nLVN5bXBvc2l1bS1Qb3N0ZXIuanBnIiwic2xpZGVzaG93IjoiOTgwNDQ0OCJ9\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/10\/award-seal_Outstanding-Symposium-Poster.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/10\/award-seal_Outstanding-Symposium-Poster-300x300.jpg\" class=\"attachment-medium size-medium\" alt=\"\" aria-describedby=\"gallery-3-9025\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/10\/award-seal_Outstanding-Symposium-Poster-300x300.jpg 300w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/10\/award-seal_Outstanding-Symposium-Poster-150x150.jpg 150w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/10\/award-seal_Outstanding-Symposium-Poster-768x768.jpg 768w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/10\/award-seal_Outstanding-Symposium-Poster.jpg 900w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-3-9025'>\n\t\t\t\t2019 Recipient | Bonnie Braun, Virginia Brown, Jesse Ketterman, Lynn Little, Lisa McCoy, Dorothy Nuckols, &#038; Maria Pippidis\n\t\t\t\t<\/figcaption><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-2cbe253\" data-eae-slider=\"54768\" data-id=\"2cbe253\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-08f4517 elementor-widget elementor-widget-text-editor\" data-id=\"08f4517\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2019: Bonnie Braun, Virginia Brown, Jesse Ketterman, Lynn Little, Lisa McCoy, Dorothy Nuckols, &amp; Maria Pippidis<\/span><\/h3><p>The 2019 Poster Award went to \u201cProtecting Financial Well-Being: Managing and Resolving Health Insurance Disputes\u201d. Results of this study demonstrate that financial educators and counselors can successfully prepare consumers to understand their healthcare bills, appeal health insurance claim decisions, and resolve health insurance billing disputes.\u00a0<\/p><p><strong>Dr. Bonnie Braun\u2019s<\/strong> career spans Extension faculty and administrative appointments at four land-grant universities and the USDA. Much of her career focused on health and well-being\u2014especially among rural, low-income families, youths and adults and farmers. She was a leader of the USDA 20 year, multi-state study&#8211;Rural Families Speak. Prior to retirement as the University of Maryland Extension Family Health Policy Specialist, she served as the Chair of the Rural Maryland Council. She served as evaluator of multiple Extension and non-Extension programs including the Maryland Food Stamp Nutrition Program. Dr. Braun led the School of Public Health Horowitz Center for Health Literacy as its Founding Director and Endowed Chair. She was active in multiple professional associations holding many positions including serving as President of the American Association of Family and Consumer Sciences.<\/p><p><strong>Dr. Virginia Brown<\/strong> joined the University of Maryland Extension in April 2012. Her efforts have been focused on the research and development of consumer education programs to enhance health literacy and health insurance literacy. Dr. Brown is a member of the Health Insurance Literacy Initiative that launched Smart Choice Health Insurance TM, a research-based program taught nationwide to help families make an informed health insurance purchase.<\/p><p><strong>Dr. Jesse Ketterman<\/strong> joined University of Maryland Extension in 2016 as an FCS Educator serving western Maryland with an emphasis on financial literacy. Dr. Ketterman is an Accredited Financial Counselor and earned a PhD in educational leadership.<\/p><p><strong>Lynn Little<\/strong> is a Senior Agent, Emerita, Family &amp; Consumer Sciences for the University of Maryland Extension.<\/p><p><strong>Lisa McCoy<\/strong> joined the University of Maryland Extension in 2013 as a Family and Consumer Sciences Educator serving Allegany, Garrett, and Washington Counties. Her areas of education focused on healthy living, which includes chronic disease prevention and management, nutrition, obesity and wellness, mindfulness, health literacy, food safety and preservation, healthy homes and environmental quality. Lisa has been a Registered Dietitian Nutritionist for 35 years and worked as a public health nutritionist in Washington County for 22 years. In addition, Lisa has been an adjunct faculty member at Shepherd University, Frederick Community College and Hagerstown Community College.<\/p><p><strong>Dorothy Nuckols<\/strong>, MPH, AFC\u00ae is a Family and Consumer Sciences Educator with University of Maryland Extension, focusing on financial and health literacy. She is a a former AVP of Central Fidelity Bank and President of Family Financial Planning.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-f564e63 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"27309\" data-id=\"f564e63\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0b15eab\" data-eae-slider=\"56936\" data-id=\"0b15eab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e2e1dd3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e2e1dd3\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-5d61579 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"62979\" data-id=\"5d61579\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5eaff4e\" data-eae-slider=\"23236\" data-id=\"5eaff4e\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f24c81 gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"0f24c81\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-4' class='gallery galleryid-1895 gallery-columns-1 gallery-size-medium'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"0f24c81\" data-elementor-lightbox-title=\"Erica Tobe\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NjE3OSwidXJsIjoiaHR0cHM6XC9cL3d3dy5hZmNwZS5vcmdcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMTlcLzA0XC9FcmljYS1Ub2JlLmpwZyIsInNsaWRlc2hvdyI6IjBmMjRjODEifQ%3D%3D\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Erica-Tobe.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"300\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Erica-Tobe-200x300.jpg\" class=\"attachment-medium size-medium\" alt=\"\" aria-describedby=\"gallery-4-6179\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Erica-Tobe-200x300.jpg 200w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Erica-Tobe.jpg 415w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-6179'>\n\t\t\t\t2018 Recipient | Erica Tobe\n\t\t\t\t<\/figcaption><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"0f24c81\" data-elementor-lightbox-title=\"Robert Weber\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NjI3OSwidXJsIjoiaHR0cHM6XC9cL3d3dy5hZmNwZS5vcmdcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMTlcLzA0XC9Sb2JlcnQtV2ViZXIuanBnIiwic2xpZGVzaG93IjoiMGYyNGM4MSJ9\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Robert-Weber.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"214\" height=\"300\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Robert-Weber-214x300.jpg\" class=\"attachment-medium size-medium\" alt=\"\" aria-describedby=\"gallery-4-6279\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Robert-Weber-214x300.jpg 214w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/04\/Robert-Weber.jpg 415w\" sizes=\"(max-width: 214px) 100vw, 214px\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-4-6279'>\n\t\t\t\t2018 Recipient | Robert Weber\n\t\t\t\t<\/figcaption><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-895bf9b\" data-eae-slider=\"33716\" data-id=\"895bf9b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78c627f elementor-widget elementor-widget-text-editor\" data-id=\"78c627f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2018: Erica Tobe &amp; Robert Weber<\/span><\/h3><p>Many US households experience the process of foreclosure. To offer support to these struggling families, some local communities, in partnership with the federal government, non-profits, and state housing authorities, offer foreclosure counseling and prevention services to struggling homeowners. In one Midwestern community, a unique partnership has emerged between a local HUD-certified housing counseling agency and the local Treasurer&#8217;s Office to provide financial counseling to all homeowners who are three years&#8217; delinquent on property taxes and facing foreclosure. Each participant is offered a 12-month extension on repaying their delinquent bill if they agree to enter counseling and receive education from a HUD-certified counseling agency and make timely monthly payments. This poster evaluates the effectiveness of the counseling intervention 265 clients over a two-year period to see if participants who received education and counseling from a HUD certified counselor are better able to repay their delinquent payment and avoid property tax foreclosure. Key demographics and financial ratios have been evaluated. Using these factors, the findings will help predict if a client was successful in repaying their debt to the Treasurer&#8217;s Office. Implications for future research and practitioner guidelines have been generated to support practitioners to better work with this vulnerable population.<\/p><p><strong>Dr. Erica Tobe<\/strong> is an MSU Extension Specialist (30% FTE) and Assistant Professor (20% FTE) in family economics. In addition, she is the Graduate Program Director (50% FTE) for the Department of Human Development and Family Studies. Her MSU Extension primary programming responsiblities include research and curriculum development support for the Greening Michigan Institute and the Financial and Home Ownership Education team. Current research and curriculum development interests focus on family financial health and wellbeing across the lifespan, including research focused on family finance and housing\/foreclosure prevention programming. Dr. Tobe is the current chair of the eXtension Financial Security for All Community of Practice and the 2018 Presidentfor the Michigan Extension Association for Family and Consumer Sciences. Prior to this position, Tobe served as an Educator and Program Leader with Michigan State University Extension for 12 years.<\/p><p><strong>Mr. Robert Weber<\/strong> has been a Financial and Homeownership Educator with Michigan State University&#8217;s Cooperative Extension for nearly five years. During his tenure as a certified housing counselor, he has had a special focus on working with homeowners facing property tax foreclosure. He is a recent graduate of University of Detroit Mercy&#8217;s Master of Community Development program, where his thesis on Community Land Trusts outlined how CLTs can create equitable control over community assets and preserve affordable housing. Robert is currently working towards certification in Financial Fitness Coaching through AFCPE.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-76659a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"15352\" data-id=\"76659a6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-abea23c\" data-eae-slider=\"42327\" data-id=\"abea23c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-875326b gallery-spacing-custom elementor-widget elementor-widget-image-gallery\" data-id=\"875326b\" data-element_type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-5' class='gallery galleryid-1895 gallery-columns-1 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"875326b\" data-elementor-lightbox-title=\"emily-ambassador-image\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTgzNCwidXJsIjoiaHR0cHM6XC9cL3d3dy5hZmNwZS5vcmdcL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMThcLzA4XC9lbWlseS1hbWJhc3NhZG9yLWltYWdlLmpwZyIsInNsaWRlc2hvdyI6Ijg3NTMyNmIifQ%3D%3D\" href='https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/emily-ambassador-image.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/emily-ambassador-image.jpg\" class=\"attachment-full size-full\" alt=\"\" aria-describedby=\"gallery-5-1834\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/emily-ambassador-image.jpg 400w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/emily-ambassador-image-150x150.jpg 150w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2018\/08\/emily-ambassador-image-300x300.jpg 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/a>\n\t\t\t<\/div>\n\t\t\t\t<figcaption class='wp-caption-text gallery-caption' id='gallery-5-1834'>\n\t\t\t\t2017 Recipient | Emily Koochel, Kansas State University\n\t\t\t\t<\/figcaption><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-c19493d\" data-eae-slider=\"82009\" data-id=\"c19493d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79a77a7 elementor-widget elementor-widget-text-editor\" data-id=\"79a77a7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: #002e5d;\">2017: Emily Koochel<\/span><\/h3><p><span style=\"color: #333333;\"><strong>Emily Koochel<\/strong><\/span> is a PhD student at Kansas State University, and a graduate teaching assistant in the Applied Family Science program. Her research interests include financial transparency and financial management strategies as it relates to marital satisfaction, pre-marital financial counseling and financial disclosure as predictors of marital dissolution. In 2011, Emily received her BS in Financial Planning from Kansas State University, her MS in Personal Financial Planning from Texas Tech University in 2013, and MS in Family Studies and Human Services in 2017 from Kansas State University.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Congratulations to winners of the Outstanding Symposium Poster Award! 2024: Lynn McHann The 2024 award goes to Lynn McHann for \u201cLaughing All the Way to the Bank: A YouTube Guide to Financial Wellness for Young Adults.&#8221; Discover the innovative approach of &#8220;Laughing All the Way to the Bank: A YouTube Guide to Financial Wellness for Young Adults&#8221; at our upcoming [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":1795,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_cbd_carousel_blocks":"[]","_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"class_list":["post-1895","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Symposium Poster Award - AFCPE<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.afcpe.org\/membership\/awards\/symposium-poster-award\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Symposium Poster Award - AFCPE\" \/>\n<meta property=\"og:description\" content=\"Congratulations to winners of the Outstanding Symposium Poster Award! 2024: Lynn McHann The 2024 award goes to Lynn McHann for \u201cLaughing All the Way to the Bank: A YouTube Guide to Financial Wellness for Young Adults.&#8221; Discover the innovative approach of &#8220;Laughing All the Way to the Bank: A YouTube Guide to Financial Wellness for Young Adults&#8221; at our upcoming [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.afcpe.org\/membership\/awards\/symposium-poster-award\/\" \/>\n<meta property=\"og:site_name\" content=\"AFCPE\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-11T18:03:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/McHann_Lynn_16929_100924110225-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.afcpe.org\/membership\/awards\/symposium-poster-award\/\",\"url\":\"https:\/\/www.afcpe.org\/membership\/awards\/symposium-poster-award\/\",\"name\":\"Symposium Poster Award - AFCPE\",\"isPartOf\":{\"@id\":\"https:\/\/www.afcpe.org\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.afcpe.org\/membership\/awards\/symposium-poster-award\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.afcpe.org\/membership\/awards\/symposium-poster-award\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/McHann_Lynn_16929_100924110225-1024x1024.jpeg\",\"datePublished\":\"2018-08-28T18:36:24+00:00\",\"dateModified\":\"2025-08-11T18:03:44+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.afcpe.org\/membership\/awards\/symposium-poster-award\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.afcpe.org\/membership\/awards\/symposium-poster-award\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.afcpe.org\/membership\/awards\/symposium-poster-award\/#primaryimage\",\"url\":\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/McHann_Lynn_16929_100924110225-scaled.jpeg\",\"contentUrl\":\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2024\/10\/McHann_Lynn_16929_100924110225-scaled.jpeg\",\"width\":2560,\"height\":2560,\"caption\":\"This is the headshot of an award winner standing in front of a red brick background wearing a black blazer with a green shirt and black glasses.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.afcpe.org\/membership\/awards\/symposium-poster-award\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.afcpe.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Membership\",\"item\":\"https:\/\/www.afcpe.org\/membership\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Awards\",\"item\":\"https:\/\/www.afcpe.org\/membership\/awards\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Symposium Poster Award\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.afcpe.org\/#website\",\"url\":\"https:\/\/www.afcpe.org\/\",\"name\":\"AFCPE\",\"description\":\"Association for Financial Counseling &amp; Planning Education\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.afcpe.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Symposium Poster Award - AFCPE","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.afcpe.org\/membership\/awards\/symposium-poster-award\/","og_locale":"en_US","og_type":"article","og_title":"Symposium Poster Award - AFCPE","og_description":"Congratulations to winners of the Outstanding Symposium Poster Award! 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