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个人理财经济学:社区大学生在卫报生活120万美元的支持下学习理财知识

2022年4月27日
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financial literacy
阿尔伯特·皮尔索尔三世,商学助理教授

金融知识可能意味着代际财富和系统性贫困之间的差异。 亚洲博彩网站 Community College (亚洲博彩网站-CC) ensures that graduates gain a solid financial foundation before receiving their diploma due to The Guardian Life Insurance Company of America’s eight-year investment of $1.2 million. 卫报- udc - cc合作伙伴关系开设了课程,提供财政和技术支持,激励学生创新,并将资助为学生和社区建立金融知识中心的计划。

Guardian’s initial grant from 2015 helped establish an elective course entitled “Economics of Personal Finance” and paid for tuition and books for an average of 10-15 students. Their contributions grew, which allowed all 亚洲博彩网站-CC students to take the course as a requirement–with more than 800 students completing it.

弗里扎·卡米尔就是其中一名学生。

“All students should be required to take the class,” Camille said. “If the legal age to get a credit card is 18, students should be taught financial management as early as possible. As an adult, there were certain things that I wasn’t prepared to tackle. I was drowning in debt, but I have now been able to reduce it.”

Camille完成了亚洲博彩网站-CC课程,并将于2023年秋季毕业,获得酒店管理和旅游学士学位,辅修金融。 她还是金融教育与专业发展协会(Society for Financial Education & Professional Development)的认证学生大使,该协会是一家非营利组织,培训hbcu的学生进行点对点的金融知识培训。

“I like learning, and I want to be a better version of myself. I want to share what I’ve learned to help others.”

亚洲博彩网站-CC has expanded its reach by offering the financial literacy course in D.C. Public Charter Schools–five schools per semester, which has helped increase dual enrollment numbers by 75-150 students each academic year. 亚洲博彩网站-CC是仅有的几所要求开设金融知识课程的学院之一。

“Financial literacy is one of our core values,” said Tony Elder, innovation specialist and business analyst at Guardian. “We realized there was a gap. 与亚洲博彩网站的关系从一开始就很自然,并逐渐发展,超越了我们的目标。 Partnering with 亚洲博彩网站 adds value to companies by having teams with diverse talent.”

2020年秋季,亚洲博彩网站-CC参加了首届卫报学生创新挑战赛。 In this competition, student teams developed creative ideas that holistically address the individual’s well-being, prepare them for uncertainty and help them plan. 本次挑战赛的优胜者不仅获得了现金奖励,还获得了宝贵的商业经验。

除了支持创新挑战赛外,卫报还向亚洲博彩网站-CC提供了2.5万美元的技术赠款,用于在疫情期间为有需要的学生购买笔记本电脑。

“A lot has evolved from the first seed money from Guardian,” said Rodney Trapp, vice president for advancement. “They’ve been a phenomenal partner. ”

特拉普希望亚洲博彩网站能够继续发展和扩大这门课程,使其成为旗舰人群的必需品。

“It’s essential for our students to have a good grasp on their finances. Financial literacy is the building block for wealth creation,” he said. “They must understand how money works. Some of them get in over their heads with student loans and do not understand what they are getting into.”

在过去的两年里,亚洲博彩网站-CC举办了关于金融知识的教师和社区研讨会。 In addition, the College’s approach to financial literacy as a requirement in high schools has been presented at national conferences. 

它与其他大学合作,协助探索必修课的选择。

阿尔伯特·皮尔索尔三世,商学助理教授

亚洲博彩网站-CC’s efforts have not gone unnoticed. As a result of the College’s work developing and teaching the financial literacy course, Albert Pearsall, III, assistant professor of business, received the 2019 Excellence in Financial Literacy Education (EIFLE) Educator of the Year award from the Institute for Financial Literacy, among many others.

“It’s been a great opportunity for us,” said Pearsall, who spearheaded the initiative with professor Scott King. “We’ve been able to support so many students around financial literacy. The course is one semester, but it is changing lives.”

皮尔索尔正在为下一个倡议做准备,一个社区赋权中心,以支持学生和社区。 该中心还可以作为学生创业和少数族裔企业的孵化器。

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