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REFERENCES
Bandura, A. (1989). Human agency in social cognitive theory. American Psychologist, 44(9), 1175-1184. Bartee, R. D., & Brown, M. C. (2007). School matters: Why African American students need multiple
forms of capital. New York: Peter Lang.
Blackwell, E., & Pinder, P. (2014). What are the motivational factors of first-generation minority college students who overcome their family histories to pursue higher education? College Student Journal, 48(1), 45-56.
Brown, M. C., & Davis, J. E. (2001). The historically black college as social contract, social capital, and social equalizer. Peabody Journal of Education, 76, 31-49.
Brown, M. C., & Freeman, K. (2004). Black colleges: New perspectives on policy and practice. Westport, CT: Praeger.
Brown, M. C., Lane, J. E., & Rogers, K. R. (2002). Walking a policy tightrope: Balancing educational opportunity and criminal justice in federal student financial aid. Journal of Negro Education, 71, 233- 242.
Consumer Financial Protection Bureau (2015). Financial well-being: The goal of financial education. Retrieved from https://files.consumerfinance.gov/f/201501_cfpb_report_financial-well-being.pdf
Deckard, F. M., Goosby, B. J., & Cheadle, J. E. (2022). Debt Stress, College Stress: Implications for Black and Latinx Students’ Mental Health. Race and social problems, 14(3),238–253. https://doi.org/10.1007/ s12552-021-09346-z
Debt.com (2024, August 14). Mental health & money survey: Credit card stress hits highest level in 3 years. Debt.com. https://www.debt.com/research/mental-health-money-survey/
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