The effects of high school personal financial education policies on financial behavior

被引：64
|
作者：
Urban, Carly [1 ]
Schmeiser, Maximilian [2 ,3 ]
Collins, J. Michael [4 ]
Brown, Alexandra [3 ,5 ]
机构：
[1] Montana State Univ, Econ, 210A Linfield Hall,POB 172920, Bozeman, MT 59717 USA
[2] Amazon Com, Res, Seattle, WA USA
[3] Fed Reserve Board, Washington, DC USA
[4] Univ Wisconsin Madison, Publ Affairs & Human Ecol, Madison, WI USA
[5] Univ Maryland, Joint Program Survey Methodol, College Pk, MD 20742 USA
来源：
ECONOMICS OF EDUCATION REVIEW | 2020年 / 78卷
关键词：
Financial literacy; Financial education; Policy evaluation; YOUNG-ADULTS; CURRICULUM; LITERACY; KNOWLEDGE; IMPACT; DEBT;
D O I：
10.1016/j.econedurev.2018.03.006
中图分类号：
F [经济];
学科分类号：
02 ;
摘要：
High schools in the United States are increasingly requiring their students to complete financial education prior to graduation. This study estimates the effects of these requirements on the credit report outcomes of 18-through 21-year-olds-young people just establishing their financial independence. We find that financial education requirements are associated with fewer defaults and higher credit scores among young adults, but this general finding masks important heterogeneity at the state level. We conclude that well-funded teacher preparation may be key to successfully implementing financial education programs.
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页数：12
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