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Full Vita
Ph.D. Virginia Polytechnic Institute and State University (1979), Consumer Sciences M.S. Cornell University, College of Human Ecology (1974) B.S. State University of New York at Oneonta (1972)
I teach undergraduate courses in the Family Finance Emphasis and graduate courses in family resource management and grant writing. As part of the Family Finance Career Seminar class I strongly encourage students to attend the Association for Financial Counseling and Planning Education (AFCPE) conference each year. I teach a monthly “Financial Planning for Women” workshop to encourage women in the community to take more responsibility in planning for their long term financial security.
Under grad classes FCHD 3450 Consumer Credit Problems FCHD 4330 Family Finance Career Seminar FCHD 4350 Advanced Family Finance (investing, retirement & estate planning)
Graduate classes Family Economics Family Financial Problems Grant writing
Dr. Lown’s research interests include women and financial planning attitudes and practices, especially in relation to retirement planning. Her research asks how to motivate women to take more responsibility for their financial security in later life. A second interest is credit overuse and consumer bankruptcy in Utah due to Utah’s high filing rate. Specifically, why is the failure rate for Chapter 13 repayment plans so high and how do successful Chapter 13 plans differ from unsuccessful plans? To what extent does local legal culture contribute to the problem of multiple filings and unsuccessful repayment plans? She has also done research on stepfamily finances and noncustodial fathers.
A Profile of Utah Small Bankruptcies: A Rural - Urban Comparison. K. Biers & J. Lown, USU Ag Experiment Station Serial Chapter 13 Bankruptcy Filers. American Bankruptcy Institute Financial Planning for Women: Educating women to plan and invest. Certified Financial Planners Board of Standards, Inc. Relationship between risk tolerance, retirement personality type, and women’s financial planning behavior. TIAA-CREF Institute
I am particularly interested in working with graduate students who want to integrate a financial or retirement planning perspective into their research
