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Family, Consumer, and Human Development


Jean M. Lown

Ph.D., Professor

Email: jean.lown@usu.edu
Location: FL 308C
Office Phone: 797-1569
Webpage: http://www.usu.edu/fchd/lown


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)

Current Research Interests/Projects

My two main research interests involve women and financial planning and bankruptcy. I teach a monthly workshop “Financial Planning for Women” which covers a wide range of financial topics from debt reduction to long term care insurance with an emphasis on investing for financial security in retirement. FPW is central to my research program on what motivates women to begin investing sooner and more aggressively for retirement.

Consumer bankruptcy is another research interest. Since Utah ranks in the top ten states in number of bankruptcies per household, this project addresses a state public policy issue. I am developing a profile of Utah debtors and determining what factors are related to successful Chapter 13 debt repayment plans. I recently completed a grant from the American Bankruptcy Institute to study serial bankruptcy filers.

Other research interests include: long term care planning, the economics of divorce and remarriage, and support of children by non-custodial 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, Zion’s Bank Smart Women grant
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

Recent Awards and Honors

USU Vice President for Extension Award for Team Excellence: Utah Bankruptcy Prevention Team, 2006
Outstanding Journal Paper Award, Financial Counseling and Planning, Association for Financial Counseling and Planning, 2005
Researcher of the Year, Department of Family, Consumer, and Human Development, 2005