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Filtered Research Reports

Millennial Money Chatter: A Guide to Millennial Financial Discourse

Understanding millennials' attitudes surrounding finances is key for credit unions to develop effective programs for engagement.  This research combines online ethnography (netnography) to gain a better understanding of millennial financial discourse, and in particular, student debt. This research helps credit unions navigate millennial mindsets by providing a look into the...

Helping Members Navigate College Costs

College signals success, at least for those who graduate. Holding a bachelor’s degree is one of the best determinants of higher lifetime earnings, and college graduates are almost uniformly positive about the value of their degree: 98% of those making six figures and up say their degree has paid off, and even 63% of...

Gen Y Personal Finances: A Crisis of Confidence and Capability

Generation Y is the largest, most diverse generation America has ever seen. Generation Y is made up millions of individuals born between the late 1970s and the mid 1990s. While this generation is young, ambitious, educated, and optimistic, many Gen Yers lack adequate personal financial management skills. As a result,...

The Credit Union Development Education Program

There is never a good time to go back to school. As we get older, obligations pile up like enormous tick marks on an unending to-do list: pick up the kids from soccer practice, organize the swim club fundraiser, prepare for the community foundation’s board meeting next Tuesday, train for...

Delivering Financial Education to Graduating College Students

Despite significant investments in financial education in the United States over the past 10 years, young adults lack adequate knowledge of personal finance facts and tools to navigate the financial marketplace. In this special report made possible, in part, by PSCU Financial Services, researchers Bob Hoel and Ron Smith found...