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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