Appendix C: Endnotes

1 Bifulco, R., Rubenstein, R. & Sohn, H. (2019). Evaluating the effects of universal place-based scholarships on student outcomes: The Buffalo “Say Yes to Education” Program. Journal of Policy Analysis and Management, 38(4), 918-943. https://doi.org/10.1002/pam.22139
2 Walizer, L. (2018, December). When financial aid falls short. CLASP. https://www.clasp.org/sites/default/files/publications/2018/12/2018whenfinancialaidfallsshort.pdf. Retrieved 4/21/2020.
3 Bresciani, M. & Carson, L. (2002). A study of undergraduate persistence by unmet need and percentage of gift aid. NASPA Journal. https://uccs.edu/Documents/retention/2002%20Study%20of%20Undergraduate
%20Persistence%20by%20Unmet%20Need%20and%20Percent.pdf
. Retrieved 4/21/2020.

4 Alon, S. (2011). Who benefits most from financial aid?: The heterogeneous effect of need-based grants on students’ college persistence. Social Science Quarterly, 92(3), 807-829. https://doi.org/10.1111/j.1540-6237.2011.00793.x
5 Bettinger, E. (2015). Need-based aid and college persistence: The effects of the Ohio College Opportunity Grant. Educational Evaluation and Policy Analysis, 37(1_suppl), 102S-119S. https://doi.org/10.3102/0162373715576072
6 The Institute for College Access and Success. (2019). Student debt and the class of 2019.
https://ticas.org/our-work/student-debt/. Retrieved 8/5/2021.

7 Fernandez, C., Webster, J., & Cornett, A. (2019). Studying on empty: A qualitative study of low food security among college students. https://www.trelliscompany.org/wp-content/uploads/2019/09/Studying-on-Empty.pdf.
8 Hoover, E. (2021). The most onerous form in college admissions: The Fafsa is tough, but the CSS Profile is grueling. There’s a human cost. Chronicle of Higher Education. https://www.chronicle.com/article/the-most-onerous-form-in-college-admissions. Retrieved 2/23/2021
9 The National Endowment for Financial Education (2021), Defining the personal financial ecosystem, pp. 1-4.
https://www.nefe.org/_images/about/NEFE_PersonalFinanceEcosystem.pdf

10 Macías, L. (2018). The scheme game: How DACA recipients navigate barriers to higher education. Educational Studies, 54:6, 609-628, DOI: 10.1080/00131946.2018.1530236
11 Dulabaum, N. (2016). Barriers to academic success: A qualitative study of African American and Latino male students. League for Innovation in the Community College, Vol. 11, No. 6
12 O’Shea, S. (2019). Crossing Boundaries: Rethinking the ways that first-in-family students navigate ‘barriers’ to higher education. British Journal of Sociology of Education: Online First
13 Hatch, D.K., & Garcia, C.E. (2017). Academic advising and the persistence intentions of community college students in their first weeks in college. The Review of Higher Education, 40(3), 353-390. https://doi.org/10.1353/rhe.2017.0012
14 DeLaRosby, H. R. (2017). Student characteristics and collegiate environments that contribute to the overall satisfaction with academic advising among college students. Journal of College Student Retention: Research, Theory & Practice, 19(2), 145–160. https://doi.org/10.1177/1521025115611618
15 Simpson, R.(2018). Changing how we think about advising online students: One-stop student service advising model. College & University, 93(1), 2-9.
16 Taylor, Z. W. (2020). College admissions for L2 Students: Comparing L1 and L2 readability of admissions materials for U.S. Higher Education. Journal of College Access, 5(1). https://scholarworks.wmich.edu/jca/vol5/iss1/6
17 Taylor, Z.W. (2017). Twenty-first-century communicators: How registrars can reject ‘university idiolect’.
The Successful Registrar, 17(9), 6-6. https://doi.org/10.1002/tsr.30361

18 Acosta, Alejandra. (2020). How you say it matters: Communicating predictive analytics findings to students.
New America Foundation. https://www.newamerica.org/education-policy/reports/how-you-say-it-matters/. Retrieved 11/1/2021.
19 Gordon, V.N., Habley, W.R., & Grites, T.J. (2008). Academic advising: A comprehensive handbook. John Wiley & Sons.
20 Choi, S., Gudmunson, C. G., Griesdorn, T. S., & Hong, G. S. (2016). Assessing college student needs for comprehensive financial counseling. Journal of Financial Counseling and Planning. 27(2), 158-171.
https://doi.org/10.1891/1052-3073.27.2.158

21 Eisenberg-Guyot, J., Firth, C., Klawitter, M., & Hajat, A. (2018, March). From payday loans to pawnshops: Fringe banking, the unbanked, And health. Health Affairs, 37(3), 429-437.
22 Austin Community College’s Rainy Day Savings Program. Retrieved 5/20/2020 from: https://sites.austincc.edu/money/rainyday/.
23 Cordero, J.M., Gil-Izquierdo, M. & Pedraja-Chaparro, F. (2020) Financial education and student financial literacy: A cross-country analysis using PISA 2012 data. The Social Science Journal, 1-19. https://doi.org/10.1016/j.soscij.2019.07.011
24 Walstad, W., Urban, C., Asarta, C.J., Breitbach, E., Bosshardt, W., Heath, J., O’Neill, B., Wagner J. & Xiao, J. (2017) Perspectives on evaluation in financial education: Landscape, issues, and studies. The Journal of Economic Education, 48(2), 93-112. https://doi.org/10.1080/00220485.2017.1285738
25 Robb, C.A. (2017). College student financial stress: Are the kids alright? Journal of Family and Economic Issues 38(4), 514–527. https://doi.org/10.1007/s10834-017-9527-6
26 Cadaret, M.C. and Bennett, S.R. (2019). College students’ reported financial stress and its relationship to psychological distress. Journal of College Counseling, 22(3), 225-239. https://doi.org/10.1002/jocc.12139
27 Potter, D., Jayne, D., & Britt, S. (2020). Financial anxiety among college students: The role of generational status. Journal of Financial Counseling and Planning, 31(2), 284-295.
28 Moore A., Nguyen A., Rivas S., Bany-Mohammed A., Majeika J., & Martinez (2021)L. A qualitative examination of the impacts of financial stress on college students’ well-being: Insights from a large, private institution. SAGE Open Medicine, 9. https://doi.org/10.1177/20503121211018122
29 Peltz, J.S., Bodenlos, J.S., Kingery, J. N. & Rogge, R.D. (2020) The role of financial strain in college students’ work hours, sleep, and mental health. Journal of American College Health, 69(6), 577-584. https://doi.org/10.1080/07448481.2019.1705306
30 American College Health Association. 2021. National college health assessment: Spring 2021 undergraduate reference group data report. Hanover, MD: American College Health Association. Retrieved August 12, 2021.
https://www.acha.org/documents/ncha/NCHA-III_SPRING-2021_UNDERGRADUATE_REFERENCE_GROUP_DATA_REPORT.pdf

31 Trellis Company. Delivering emergency aid services during COVID-19. https://www.trelliscompany.org/portfolio-items/delivering-emergency-aid-services-during-covid-19/. Retrieved on 5/21/20.
32 Goldrick-Rab, S., Baker-Smith, C., Coca, V., Looker, T., & Williams, T. (2019). College and university basic needs insecurity: A national #realcollege survey report. https://hope4college.com/college-and university-basic-needs-insecurity-a-national-realcollege-survey-report/
33 Higher Learning Advocates. (2018). Today’s students: Pop culture vs. reality. https://higherlearningadvocates.org/news/survey-reveals-gap-between-public-and-policymakers-when-it-comes-to-understanding-todays-college-students-2/
34 Fernandez, C., Webster, J., & Cornett, A. (2019). Studying on empty: A qualitative study of low food security among college students. https://www.trelliscompany.org/wp-content/uploads/2019/09/Studying-on-Empty.pdf.
35 Kuchment, O. (2020, October 14). COVID-19 erases two decades of food security gains. https://agrilifetoday.tamu.edu/2020/10/14/covid-19-pandemic-erases-two-decades-of-food-security-gains-in-texas-u-s/. Retrieved June 19, 2021.
36 United States Department of Agriculture (USDA). (2021). What is food security? https://www.ers.usda.gov/topics/food-nutrition-assistance/food-security-in-the-us/measurement.aspx.
37 Ibid.
38 Ibid.
39 Fernandez, C., Webster, J., & Cornett, A. (2019). Studying on empty: A qualitative study of low food security among college students. https://www.trelliscompany.org/wp-content/uploads/2019/09/Studying-on-Empty.pdf.
40 United States Department of Agriculture (USDA). (2021). What is food security? https://www.ers.usda.gov/topics/food-nutrition-assistance/food-security-in-the-us/measurement.aspx.
41 Fernandez, C., Webster, J., & Cornett, A. (2019). Studying on empty: A qualitative study of low food security among college students. https://www.trelliscompany.org/wp-content/uploads/2019/09/Studying-on-Empty.pdf.
42 Baker-Smith, C., Coca, V., Goldrick-Rab, S., Looker, E., Richardson, B., & Williams, T. (2020). #RealCollege 2020: Five years of evidence on campus basic needs insecurity. https://hope4college.com/wp-content/uploads/2020/02/2019_RealCollege_Survey_Report.pdf
43 Broton, K. M. (2017). The evolution of poverty in higher education: Material hardship, academic success, and policy perspectives (Unpublished doctoral dissertation). University of Wisconsin–Madison, Madison, Wisconsin.
44 Association of American Colleges & Universities. (2019). Majority of college students experience food Insecurity, housing insecurity, or homelessness. https://www.aacu.org/aacu-news/newsletter/majority-college-students-experience-food-insecurity-housing-insecurity-or
45 Dubick, J., Matthews, B., & Cady, C. (2016, October). Hunger on campus: The challenge of food insecurity for college students. http://studentsagainsthunger.org/wpcontent/uploads/2016/10/Hunger_On_Campus.pdf
46 Palo Alto College. (2021). S.H.A.R.E. Center. https://www.alamo.edu/pac/experience-pac/campus-life/campus-resources/share-center/
47 Tacoma Housing Authority. (2021). College Housing Assistance Program: A summary. https://www.tacomahousing.net/content/tacoma-community-college-housing-assistance-program
48 Visser, P.L. & Jameson, K.H. (2014) Health behaviors among college students: The influence of future time perspective and basic psychological need satisfaction. Health Psychology and Behavioral Medicine, 2(1), 88-99. https://doi.org/10.1080/21642850.2013.872992
49 Manze, M., et al. (2021). Experiences of college students with children during the COVID-19 Pandemic. Emerging Adulthood. https://doi.org/10.1177/21676968211020225
50 Noll, E., Reichlin, L, and Gault, B. (2017). College students with children: National and regional profiles. Institute for Women’s Policy Research. https://files.eric.ed.gov/fulltext/ED612519.pdf
51 Salee, M.W., & Cox, R. D. (2019). Thinking beyond childcare: Supporting community college student-parents. American Journal of Education, 125(4), 621-645. https://doi.org/10.1086/704094
52 Ascend at the Aspen Institute and The Jed Foundation. (2021). Improving mental health of student parents: A framework for higher education. https://live-ascend-at-the-aspen-institute.pantheonsite.io/wp-content/uploads/2021/05/MentalHealthFramework_Final.pdf.
53 Office for Civil Rights, Department of Education. (2021). Education in a pandemic: The disparate impacts of COVID-19 on America’s students. https://www2.ed.gov/about/offices/list/ocr/docs/20210608-impacts-of-covid19.pdf
54 Salerno, J.P., Pease, M., Devadas, J. Nketia, B., & Fish, J.N. (2020). COVID-19-related stress among LGBTQ+ University Students: Results of a U.S. national survey. https://doi.org/10.13016/zug9-xtmi
55 Owens, M. R., Brito-Silva, F., Kirkland, T., Moore, C. E., Davis, K. E., Patterson, M. A., Miketinas, D. C., & Tucker, W. J. (2020). Prevalence and social determinants of food insecurity among college students during the COVID-19 pandemic. Nutrients, 12(9), 2515. https://doi.org/10.3390/nu12092515
56 Aucejo, E. M., French, J., Araya, M. P. U., & Zafar, B. (2020). The Impact of COVID-19 on student experiences and expectations: Evidence from a survey. Journal of Public Economics, 191, 104271. https://www.nber.org/papers/w27392
57 Eisenberg, D., Ketchen Lipson, S., et al. (2019). The Healthy Minds Study: 2018-2019 data report. Retrieved from: https://healthymindsnetwork.org/wp-content/uploads/2019/09/HMS_national-2018-19.pdf.
58 Eisenberg, D., Ketchen Lipson, S., Heinze, J., et al. (2021). The Healthy Minds Study: Fall 2020 data report.
https://healthymindsnetwork.org/wp-content/uploads/2021/02/HMS-Fall-2020-National-Data-Report.pdf

59 Hoyt, J.E. & Winn, B.A. (2004) Understanding retention and college student bodies: Differences between drop-outs, stop-outs, opt-outs, and transfer-outs. NASPA Journal, 41(3), 395-417. https://doi.org/10.2202/1949-6605.1351
60 Emergency Broadband Benefit Program: https://www.fcc.gov/broadbandbenefit?utm_content=&utm_medium=email&utm_name=&utm_source=govdelivery&utm_term=
61 Coombs, W. T. (2015). Ongoing crisis communication: Planning, managing, and responding (4th ed.). Sage.
62 Madden, S. (2017). The clock is ticking: Temporal dynamics of campus emergency notifications. Journal of Contingencies and Crisis Management, 25(4), 370-375. https://doi.org/10.1111/1468-5973.12162
63 Hyken, S. (2016, December 3). How effective is Net Promoter Score (NPS)? Forbes Magazine.
https://www.forbes.com/sites/shephyken/2016/12/03/how-effective-is-net-promoter-score-nps/#253a33123e4c. Retrieved 4/21/2020.

64 United States Department of Agriculture (USDA). (2021). What is food security? Retrieved from:
https://www.ers.usda.gov/topics/food-nutrition-assistance/food-security-in-the-us/measurement.aspx.

65 Ibid.
66 Ibid.
67 Fernandez, C., Webster, J. & Cornett, A. (2019). Studying on empty: A qualitative study of low food security among college students. Retrieved April 17, 2021, from: https://www.trelliscompany.org/wp-content/uploads/2019/09/Studying-on-Empty.pdf
68 United States Department of Agriculture (USDA). (2021). What is food security? Retrieved from:
https://www.ers.usda.gov/topics/food-nutrition-assistance/food-security-in-the-us/measurement.aspx.

69 Baker-Smith, C., Coca, V., Goldrick-Rab, S., Looker, E., Richardson, B., & Williams, T. (2020). #RealCollege 2020: Five years of evidence on campus basic needs insecurity. Retrieved from: https://hope4college.com/wp-content/uploads/2020/02/2019_RealCollege_Survey_Report.pdf
70 Lusardi, A. (2008). Financial literacy: An essential tool for informed consumer choice. Dartmouth College, Harvard Business School, and NBER. https://www.nber.org/system/files/working_papers/w14084/w14084.pdf. Retrieved 4/21/2020.