and Consumer Economics at the University of Georgia. She earned her Ph.D. and M.S. at Purdue University. Her research interests include financial burden and health, alternative financial services, financial education exposures and financial capability, and mobile finances. She has published in the Journal of Consumer Affairs, Journal of Financial Counseling and Planning, Family and Consumer Science Research Journal, the International Journal of Consumer Studies, the Handbook of Consumer Finance Research, and Compensation and Working Conditions, an online journal of the U.S. Bureau of Labor Statistics. Her current research projects include (1) examining the relationships between different household financial situations and health status, (2) investigating the role of low-income homeownership on material hardship leading to use of high-cost alternatives such as payday loans to cover basics, and (3) financial capability and satisfaction incorporating the role of financial education and financial literacy.