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Commission  \nBest Practices for  \nFinancial Literacy and Education  \nat Institutions of Higher Education  \nU.S. Financial Literacy and Education Commission  \n2019  \nMembers of the Financial Literacy and Education Commission  \nDepartment of the Treasury (Treasury), Chair Consumer Financial Protection Bureau (CFPB), Vice Chair Department of Agriculture (USDA) Department of Education (ED) Department of Defense (DoD) Department of Health and Human Services (HHS) Department of Housing and Urban Development (HUD)  \nDepartment of the Interior (DOI) Department of Labor (DOL) Department of Veterans Affairs (VA) Board of Governors ofthe Federal Reserve System (FRB) Commodity Futures Trading Commission (CFTC) Federal Deposit Insurance Corporation (FDIC) Federal Emergency Management Agency (FEMA)  \nFederal Trade Commission (FTC) General Services Administration (GSA) National Credit Union Administration (NCUA) Office of the Comptroller of the Currency (OCC) Office of Personnel Management (OPM) Securities and Exchange Commission (SEC) Small Business Administration (SBA) Social Security Administration (SSA) White House Domestic Policy Council (DPC)  \nBest Practices for  \nFinancial Literacy and Education  \nat Institutions of Higher Education  \nU.S. Financial Literacy and Education Commission  \n2019  \nTable of Contents  \nExecutive Summary  1  \nIntroduction 1  \nThe Scope of This Report 2  \nReview of the Process for This Report 3  \nSummary of Issues and Recommendations 3  \nSection 1:  \nBest Practices for Delivery of Financial Literacy to the Public  7  \nIntroduction 7  \nKnow the Individuals and Families to be Served 7  \nProvide Actionable, Relevant and Timely Information 8  \nImprove Key Financial Skills 8  \nBuild on Motivation 8  \nMake It Easy to Make Good Decisions and Follow Through 9  \nDevelop Standards for Professional Educators 9  \nProvide Ongoing Support 10  \nEvaluate for Impact 10  \nSection 2:  \nBest Practices for Delivery of Financial Literacy at Institutions of Higher Education  12  \nIntroduction 12  \nIssues and Recommendations 12  \nProviding Clear, Timely, and Customized Information  \nto Inform Student Borrowing 12  \nEffectively Engaging Students in Financial Literacy and Education 18  \nTargeting Different Student Populations by use of National, Institutional, and Individual Data 21  \nCommunicating Importance of Graduation and Major on Repayment of Student Loans 24  \nPreparing Students to Meet Financial Obligations upon Graduation 29  \nExhibits  31  \nExhibit A: Participants in the Engagement Process 31  \nExhibit B: Summary of Recommendations 34  \nExhibit C: Section 603 P.L. 115-174 36  \nTable of Contents iii  \nExecutive Summary  \nIntroduction  \nInstitutions of higher education1 play an important role in our society and our economy, developing educated citizens and skilled workers who are vital to America’swell-being. In addition to this broad benefit, postsecondary education is valuable to many individuals, resulting in higher earnings and less unemployment across their lives.2 The impact of higher education is expected to grow, as an increasing number of jobs in the future are expected to require some kind of postsecondary credential.3 Along with preparing the workforce, institutions of higher education can prepare their students to make financial choices throughout their lives that enable them to effectively participate in our economy, build wealth, and attain their goals. Critical decisions that students and families make before, during, and after their postsecondary education influence their financial future. These include choices around selecting an institution and degree, managing money while studying, planning for the completion of their education, and managing student debt post-completion.4  \nThe complex financial choices students must make are compounded by the fact that, for decades, the cost of college has been rising far faster than incomes. Between 2004- 05 and 2015-16, prices for unde","cbCaiuFmyZXsx5Qd","https://ap.wps.com/l/cbCaiuFmyZXsx5Qd","pdf",2221448,44,"English","# Executive Summary\n## Introduction\n## The Scope of This Report\n## Summary of Issues and Recommendations\n# Section 1: Best Practices for Delivery of Financial Literacy to the Public\n## Introduction\n## Know the Individuals and Families to be Served\n## Provide Actionable, Relevant and Timely Information\n## Improve Key Financial Skills\n## Build on Motivation\n## Make It Easy to Make Good Decisions and Follow Through\n## Develop Standards for Professional Educators\n## Provide Ongoing Support\n## Evaluate for Impact\n# Section 2: Best Practices for Delivery of Financial Literacy at Institutions of Higher Education\n## Introduction\n## Issues and Recommendations\n## Providing Clear, Timely, and Customized Information to Inform Student Borrowing\n## Effectively Engaging Students in Financial Literacy and Education\n## Targeting Different Student Populations by use of National, Institutional, and Individual Data\n## Communicating Importance of Graduation and Major on Repayment of Student Loans\n## Preparing Students to Meet Financial Obligations upon Graduation\n## Exhibits\n## Exhibit A: Participants in the Engagement Process\n## Exhibit B: Summary of Recommendations\n## Exhibit C: Section 603 P.L. 115-174","[{\"question\":\"为什么报告强调高等教育机构在金融素养中的作用？\",\"answer\":\"报告认为高等教育对个人发展与经济福祉至关重要，并帮助学生形成贯穿一生的财务决策能力，包括管理学习期间资金、规划完成教育以及毕业后的学生债务管理。\"},{\"question\":\"报告指出学生做出财务选择面临的主要挑战是什么？\",\"answer\":\"报告强调大学成本长期增长速度快于收入，导致学生及家庭承担更多债务，且大量学生债务来自联邦政府贷款，规模显著。\"},{\"question\":\"报告给出了哪些在高等教育机构中提供金融素养教育的关键做法？\",\"answer\":\"报告建议提供清晰、及时且可定制的信息以指导学生借贷，提升学生参与金融素养与教育的有效性，并通过国家、机构与个人数据对不同学生群体进行定向，同时沟通毕业与专业对贷款偿还的影响并帮助学生在毕业后履行财务义务。\"}]","Best Practices for Financial Literacy and Education at Institutions of Higher Education - 2019 | PDF",1792061941,111]