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27.  Substance Abuse and Mental Health Services Admin-  15.  Woolsey, Ben, and Matt Schulz. “Credit Card  Statistics,
              istration. From http://www.samhsa.gov/data/NSDUH/   Industry Facts, Debt Statistics.”  CreditCards.com, Janu-
              2k10NSDUH/2k10Results.htm#2.9                      ary 15, 2010. From http://www .creditcards.com/credit-
         28.  Rape Abuse and Incest National Network. “ Statistics.”   card-news/credit-card-industry-facts-personal-debt-
                                                                             .
              From http://www.rainn.org/statistics               statistics-1276  php#y oungadults
         29.  Rape, Abuse, and Incest National Network. “Campus   16.  “Sallie Mae’s National Study of Usage Rates and
              Safety.” From http://www.rainn.org/public-policy/cam-  Trends of Undergraduate Student Credit Card Use.”
              pus-safety                                         April 2009. From https://www1.salliemae .com/about/
                                                                 news_info/newsreleases/041309.htm
         30.  “The Sexual Assault Continuum.” Sexual Assault
              Victim Advocate (SAVA) Center: Fort Collins, CO,   17.  Most items in bullet list based on Bowler, Michael.
              2011                                               “Watch Out for Credit Card Traps.” The Lucrative
                                                                 Investor, 2009. From http://www
                                                                 . thelucrativeinvestor.com/watch-credit-card-traps,
         CHAPTER 11                                              and Arnold, Chris. “Credit Card Companies Abuse
                                                                 the Unwitting.” NPR, November 6, 2007. From
           1.  Adapted from “Hope in a Box.” The Oprah Winfrey   http://www.npr.org/templates/story/story .php?story
              Show, October 1, 2009. From http://www.oprah       Id=16035323
              .com/world/Tererai-Trents-Inspiring-Education
                                                             18.  Arthur, Dani. “15 Must-Know Tips for Protecting Your
           2.  Hanson, Jim. “Your Money Personality: It’s All In Your   Identity.” Bankrate.com, August 5, 2004. From http://
              Head.” University Credit Union, December 25, 2006.   www.bankrate.com/brm/news/cc/20020612a.asp
              From http://hffo.cuna.org/012433/article/ 1440/html
                                                             19.  Curry, Pat. “How Credit Scores Work, How a Score is
           3.  Ibid.                                             Calculated.” November 8, 2006. From http://www.
           4.  Whitehouse, Mark. “Number of the Week: Class of   bankrate.com/brm/news/credit-scoring/20031104a1.asp
              2011, Most Indebted Ever.” Wall Street Journal, May   20.  The University of Arizona. “Young Adults  Financial
              7, 2011. From http://blogs.wsj.com/ economics/2011/   Capability: APLUS Arizona Pathways to Life Success
              05/07/number-of-the-week-class-of-2011-most-       for University Students Wave 2.”  September 2011, p.
              indebted-ever                                      29. From http://aplus.arizona .edu/ Wave-2-Report.pdf
           5.  Ibid.                                         21.  Pythagoras Solar, http://www.pythagoras-solar.com
           6.  “Attitudes and Characteristics of Freshmen at 4-Year
              Colleges, Fall 2007.” Chronicle of Higher Education.
           7.  “Fast Facts.” National Center for Education  Statistics,   CHAPTER 12
              2009. From http://nces.ed.gov/FastFacts/display.    1.  Self-Directed Search, http://www.self-directed-search.
              asp?id=31                                          com
           8.  Supiano, Beckie. “Many Community College  Students     2.  Occupational Outlook Quarterly. “High-Paying Occu-
              Miss Out on Aid—Because They Don’t Apply.” The     pations with Many Job Openings, Projected 2004–14.”
              Chronicle of Higher Education, October 7, 2008.    Bureau of Labor Statistics, Spring 2006. From http://
              Fromhttp://chronicle.com/daily/ 2008/10/4905n.htm  www.bls.gov/opub/ooq/2006/spring/oochart.pdf
           9.  College Board Advocacy and Policy Center. Trends     3.  May, Kevin. “Humanities and Liberal Arts Majors Are
              in Student Aid 2011. New York: The  College Board,   Going into Business.” The BYU Daily  Universe,
              2011, p. 3.                                        December 14, 2011. From http://universe.byu.edu/
                                                                 index.php/2011/12/14/humanities-and-liberal-arts-
         10.  Ibid.
                                                                 majors-are-going-into-business
         11.  Tomsho, Robert. “The BestWays to Get Loans for
              College Now.” The Wall Street Journal, August 13,     4.  National Service Learning Clearinghouse. “Service
                                                                                                      .
              2008, p. D1.                                       Learning Is . . .” May 2004. From http://www  service
                                                                 learning.org/article/archive/35
         12.  Supiano.
                                                               5.  U.S. Department of Labor, Bureau of Labor  Statistics.
         13.  College Board Advocacy and Policy Center, p. 4.    “Number of Jobs Held, Labor Market Activity, and
         14.  Ryman, Anne. “Defaults on Student Loans Rising.”    Earnings Growth Among the  Youngest Baby Boom-
              The Arizona Republic, March 7, 2010. From http://  ers: Results from a  Longitudinal  Survey.” News
              www.azcentral.com/12news/news/ articles/2010/03/07/  release, September 10, 2010. From http://www.bls.
              20100307student-loan-defaults-CP.html              gov/news.release/ pdf/nlsoy.pdf




         338  Endnotes
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