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7, 2011. From http://blogs.wsj.com/economics/2011/   www.npr.org/templates/story/story.php?storyId=
              05/07/number-of-the-week-class-of-2011-most-       16035323
              indebted-ever                                    19.  Arthur, Dani. “15 Must-Know Tips for Protecting
           5.  “Attitudes and Characteristics of Freshmen at 4-Year   Your Identity.” Bankrate.com, August 5, 2004. From
              Colleges, Fall 2007.” Chronicle of Higher Education.  http://www.bankrate.com/brm/news/cc/20020612a.
           6.  “Fast Facts.” National Center for Education Statistics,   asp
              2009. From http://nces.ed.gov/FastFacts/display.asp?     20.  The University of Arizona. “Young Adults Financial
              id=31                                              Capability: APLUS Arizona Pathways to Life Success
           7.  Perna, Laura. “Understanding the Working College   for University Students Wave 2.” September 2011, p.
              Student.” Academe Online, July/August 2010. From   29. From http://aplus.arizona.edu/Wave-2-Report.pdf
              http://www.aaup.org/AAUP/pubsres/                21.  Pythagoras Solar, http://www.pythagoras-solar.com
              academe/2010/JA/feat/pern.htm                    22.  Porter, Eduardo, and Greg Winter. “’04 Graduates
           8.  College Board Advocacy and Policy Center. Trends   Learned Lesson in Practicality.” New York Times,
              in Student Aid 2011. New York: The College Board,   May 30, 2004, pp. A1 and A24.
              2011, p. 3.
           9.  Ibid.                                         CHAPTER 12
           10.  Tomsho, Robert. “The BestWays to Get Loans for
              College Now.” The Wall Street Journal, August 13,     1.  “Overview of Race and Hispanic Origin.” 2010 Cen-
              2008, p. D1.                                       sus Briefs, U. S. Census Bureau, March 2011. From
                                                                 http://www.census.gov/prod/cen2010/briefs/c2010br-
           11.  Supiano, Beckie. “In a Rocky Economy, 10 Steady Tips   02.pdf.
              About Student Aid.” The Chronicle of Higher Educa-
              tion, November 7, 2008. From http://chronicle.com/    2.  Yen, Hope. “Census Shows Whites Lose US Majority
              article/In-a-Rocky-Economy-10-Stea/1313            among Babies.” The Associated Press, May 18, 2012.
                                                                 From http://news.yahoo.com/census-shows-whites-
           12.  College Board Advocacy and Policy Center, p. 4.
                                                                 lose-us-majority-among-babies-193257646.html
           13.  Lewin, Tamar. “Student Loan Interest Rates Loom as
              Political Battle.” New York Times, April 20, 2012.     3.  Berrett, Dan. “What Spurs Students to Stay in Col-
              From http://www.nytimes.com/2012/04/20/education/   lege and Learn? Good Teaching Practices and Diver-
              student-loan-interest-rates-loom-as-political-battle.html  sity.” The Chronicle of Higher Education, November
                                                                 6, 2011. From http://chronicle.com/article/What-
           14.  Ryman, Anne. “Defaults on Student Loans  Rising.” The   Spurs-Students-to-Stay-in/129670/#top
              Arizona Republic, March 7, 2010. From http://www.
              azcentral.com/12news/news/articles/2010/03/07/20100    4.  Dey, Eric L., Gerald Gurin, Patricia Gurin, and Syl-
              307student-loan-defaults-CP.html                   via Hurtado. “Diversity and Higher Education: The-
                                                                 ory and Impact on Educational Outcomes.” Harvard
           15.  Carnns, Ann. “New Tool Helps Evaluate Student    Educational Review, vol. 72, no. 3, Fall 2002. From
              Loan Options.” New York Times, October 26, 2011.   http://www.temple.edu/tlc/resources/handouts/diversity/
              From http://bucks.blogs.nytimes.com/2011/10/26/    Gurin_and_Hurtado.pdf
              new-tool-helps-evaluate-student-loan-options
                                                               5.  Ibid.
           16.  Woolsey, Ben, and Matt Schulz. “Credit Card Statistics,
              Industry Facts, Debt Statistics.” CreditCards.com,     6.  Ibid.
              January 15, 2010. From http://www.creditcards.com/    7.  “Conceptual Frameworks/Models, Guiding Values
              credit-card-news/credit-card-industry-facts-personal-   and Principles.” National Center for Cultural Com-
              debt-statistics-1276.php#youngadults               petence, 2002. From http://gucchd.georgetown.edu//
           17.  “Sallie Mae’s National Study of Usage Rates and   nccc/framework.html
              Trends of Undergraduate Student Credit Card      8.  Information in the sections on the five stages of build-
                                              .
              Use.” April 2009. From https://www1  salliemae.    ing competency is based on King, Mark A., Anthony
              com/about/news_info/newsreleases/041309.htm        Sims, and David Osher. “How Is  Cultural Compe-
           18.  Most items in bullet list based on Bowler, Michael.   tence Integrated in Education?” Cultural Competence.
              “Watch Out for Credit Card Traps.”                 From www.air.org/cecp/cultural/Q_integrated.htm#def
              The Lucrative Investor, 2009. From http://www.the-    9.  Global Community WebNet Ltd. “The Global Com-
              lucrativeinvestor.com/watch-credit-card-traps, and   munity Concept and the Global Governments Federa-
              Arnold, Chris. “Credit Card Companies Abuse the    tion.” February 6, 2006. From http://global community
              Unwitting.” NPR, November 6, 2007. From http://    webnet.com/gceg/Act2006.htm#chapter4draft



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