References & Resources

Asarta, Hill, and Meszaros, 2014. "The features and effectiveness of the Keys to Financial Success curriculum." International Review of Economics Education. http://nebula.wsimg.com/7c3014715076f- 1f6a49caa6f4b6af123?AccessKeyId=27E1C5C94AE9959DA340&disposition=0&alloworigin=1.

Assets and Education Initiative. (2013). "Building Expectations, Delivering Results: Asset-Based Financial Aid and the Future of Higher Education." In W. Elliott (Ed.), Biannual report on the assets and education field. Lawrence, KS: Assets and Education Initiative (AEDI). https://about.bankofamerica.com/assets/ pdf/BOA_BMH_2016-REPORT-v5.pdf.

Bank of America/USA TODAY Better Money Habits Report, Fall 2016. "Young Americans & Money." https://about.bankofamerica.com/assets/pdf/BOA_BMH_2016-REPORT-v5.pdf.

Brown, Collins, Schmeiser and Urban, 2014. "State Mandated Financial Education and the Credit Behavior of Young Adults." Federal Reserve Board, Divisions of Research & Statistics and Monetary Affairs. https://www.federalreserve.gov/pubs/feds/2014/201468/201468pap.pdf.

Center for Financial Literacy, Champlain College, 2011. "Financial Literacy Education in Vermont High Schools: A Snapshot." https://www.champlain.edu/centers-of-excellence/center-for-financial-literacy/ cfl-resources/financial-literacy-education-in-vermont-high-schools.

Center for Financial Literacy, Champlain College, 2016. "2016 National Report Card Adult Financial Literacy." https://www.champlain.edu/centers-of-excellence/center-for-financial-literacy/national-report-card-on-adult-financial-literacy.

Center for Financial Literacy, Champlain College, 2013 "2013 National Report Card on State Efforts to Improve Financial Literacy in High Schools." https://www.champlain.edu/centers-of-excellence/ center-for-financial-literacy/report-making-the-grade/2013-national-report-card.

Center for Financial Literacy, Champlain College, 2015. "2015 National Report Card on State Efforts to Improve Financial Literacy in High Schools." https://www.champlain.edu/centers-of-excellence/ center-for-financial-literacy/report-making-the-grade/2015-national-report-card.

Center for Financial Literacy, Champlain College, 2015. "Prepped for Success, A Study of TeacherTraining, Financial Literacy & Classroom Outcomes." https://www.champlain.edu/centers-of-excellence/center-for-financial-literacy/report-prepped-for-success.

Consumer Financial Protection Bureau, 2015. "Advancing K-12 Financial Education: A Guide for Policymakers." http://files.consumerfinance.gov/f/201504_cfpb_advancing-k-12-financial-education-a-guide-for-policymakers.pdf.

Consumer Financial Protection Bureau, 2017 "A Guide for Advancing K-12 Financial Education." https://s3.amazonaws.com/files.consumerfinance.gov/f/documents/201703_cfpb_StateEngagementProject.pdf.

Council for Economic Education, 2013. "National Standards for Financial Literacy." http://councilforeconed.org/resource/national-standards-for-financial-literacy/#sthash.1h8qxf0u.sQ8d6UPH.dpbs.

Council for Economic Education, 2016. "2016 Survey of the States." http://councilforeconed.org/wp/ wp-content/uploads/2016/02/sos-16-final.pdf.

FINRA Foundation, 2016. "National Financial Capability Study, 2016." http://www.usfinancialcapability.org/.

Hensley, Billy, 2013. "Content-Based Teacher Professional Development Pilot Project Research Report." National Endowment for Financial Education and Jump$tart Teacher Training Alliance. http:// www.jumpstart.org/assets/files/Teacher%20Alliance/J$TTA%20Pilot%20Research%20Report.pdf.

The Institute for College Access & Success, 2017. "Student Debt and the Class of 2016." https://ticas. org/sites/default/files/pub_files/classof2016.pdf.

Jump$tart Coalition, fourth edition, 2015. "National Standards in K-12 Personal Finance Education." http://www.jumpstart.org/national-standards.html.

Klein, Asher and Giordano, Jackie, 2014. "Bill Clinton Visits USC to Teach Kids Value of Financial Literacy." Channel 4, Southern California. http://www.nbclosangeles.com/news/local/Bill-Clinton-VisitsUSC-to-Host-Financial-Literacy-Event-282070241.html.

Mottola, Gary, 2014. "The Financial Capability of Young Adults-A Generational View." FINRA Foundation, Financial Capability Insights. http://www.usfinancialcapability.org/downloads/FinancialCapabilityofYoungAdults.pdf.

National Conference of State Legislatures. "Financial Literacy Legislation;" for 2010 see: http://www. ncsl.org/research/financial-services-and-commerce/financial-literacy-2010-legislation.aspx; for 2011 see: http://www.ncsl.org/research/financial-services-and-commerce/financial-literacy-2011-legislation.aspx; for 2012 see: http://www.ncsl.org/research/financial-services-and-commerce/financial-literacy-2012-legislation.aspx; for 2013 see: http://www.ncsl.org/research/financial-services-and-commerce/financial-literacy-2013-legislation.aspx; for 2014 see: http://www.ncsl.org/research/financial-services-and-commerce/financial-literacy-2014-legislation.aspx; 2015 see: http://www.ncsl.org/ research/financial-services-and-commerce/financial-literacy-2015-legislation.aspx; for 2016 see: http://www.ncsl.org/research/financial-services-and-commerce/financial-literacy-2016-legislation.aspx; and for 2017 see: http://www.ncsl.org/research/financial-services-and-commerce/financial-literacy-2017-legislation.aspx.

The National Foundation for Credit Counseling (NFCC) & The Boeing Employees' Credit Union (BECU), 2017. "2017 Consumer Financial Literacy Survey." https://nfcc.org/wp-content/uploads/2017 /03/NFCC_BECU_2017-FLS_datasheet-with-key-findings.pdf?_ga=2.202713047.734360750.14938450 51-1403476521.1491225914.

Next Gen Personal Finance, 2017. "Who has access to financial education in America today?" https://drive.google.com/file/d/0B7wBayeobK4fY2YzN2lXUU8wQXc/view.

Organisation for Economic Co-operation and Development's (OECD) Programme for International Student Assessment (PISA), 2016. "PISA 2015 Assessment and Analytical Framework: Mathematics, Reading, Science, Problem Solving and Financial Literacy." Organisation for Economic Co-operation and Development (OECD), 2017. "PISA 2015 Results: Students' Financial Literacy (Volume IV)." http://www.oecd.org/finance/financial-education/pisa-2015-results-volume-iv-9789264270282-en.htm.

T. Rowe Price, 2017. "Parents, Kids & Money Survey." http://www.moneyconfidentkids.com/content/ money-confident-kids/en/us/media/research/2017-parents--kids---money-survey-results.html.

U.S. Department of Education, Federal Student Aid. "Official Cohort Default Rate for Schools." https://www2.ed.gov/offices/OSFAP/defaultmanagement/cdr.html.

U.S. Department of Education, Institute of Education Sciences, and National Center for Education Statistics, 2017. "Table 203.30 Public school enrollment grades 9 through 12 by Region, State and Jurisdiction." "Digest of Education Statistics, 2017."

U.S. Department of Education, National Center for Education Statistics, and the Institute of Education Sciences. "Fast Facts, Back to School Statistics." https://nces.ed.gov/fastfacts/display.asp?id=372.

U.S. Department of Education, National Center for Education Statistics, and the Institute of Education Sciences. "Fast Facts, Dropout Rates." https://nces.ed.gov/fastfacts/display.asp?id=16.

Way, Wendy and Holden, Karen, 2009. "Teachers' Background and Capacity to Teach Personal Finance: Results of a National Study." National Endowment for Financial Education. https://nefe.org/ What-We-Provide/Primary-Research/Grant-Studies-Teachers-Preparedness-and-Money-Man.