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Full-Text Articles in Social and Behavioral Sciences

Impact Of Teacher Cognition On The Implementation Of Social- Emotional Learning Practices For El Students, Madeline Bliske Aug 2022

Impact Of Teacher Cognition On The Implementation Of Social- Emotional Learning Practices For El Students, Madeline Bliske

Theses and Dissertations

There is a well-established achievement and graduation rate gap between English Learner (EL) students and their monolingual English-speaking peers (U.S. Department of Education, 2020). The current study focuses on teacher cognition and characteristics that may impact the likelihood that they will implement culturally and linguistically sustaining (CLS) social-emotional learning (SEL) practices for EL students within their classroom. Specifically, I descriptively analyze whether personal, professional, or school characteristics are associated with teachers’ perception of EL students SEL competencies or implementation of CLS SEL practices. Utilizing the Theory of Planned Behavior (TPB), I evaluate whether teacher cognition (i.e., behavioral attitudes, subjective norms, …


Prevalence And Predictors Of Polypharmacy In Adolescents Who Have Engaged In Sexually Abusive Behaviors, Rebecca Gilley Aug 2022

Prevalence And Predictors Of Polypharmacy In Adolescents Who Have Engaged In Sexually Abusive Behaviors, Rebecca Gilley

Electronic Theses and Dissertations

Polypharmacy, or the concurrent use of multiple medications, is associated with detrimental outcomes for patients and has gathered increasing attention within the scientific clinical literature. Pediatric populations warrant special consideration for the practice of polypharmacy, as medication effects are more pronounced in youth and adverse effects may have a lasting impact on development. This dissertation study examined psychotropic prescribing practices in a sample of adolescents who have engaged in sexually abusive behaviors, a subset of justice-involved youth who are at risk for polypharmacy. General prescribing trends were examined, and a principle components analysis involving variables associated with risk of polypharmacy …


Three New Dentists Talk About ‘Getting Involved’, Gabriel Holdwick Dds Aug 2022

Three New Dentists Talk About ‘Getting Involved’, Gabriel Holdwick Dds

The Journal of the Michigan Dental Association

Three new dentists discuss their involvement in organized dentistry and its impact on their professional growth. Dr. Sarah Tomaka and Dr. Danny Miller share their experiences with the Michigan Dental Association (MDA) and their engagement with various committees. They explain how these leadership roles have provided them with expanded networks, personal growth, and a platform to influence the dental profession. They emphasize that getting involved with MDA leadership is highly rewarding and encourage others to participate, suggesting the MDA's Leadership Exploration And Development (LEAD) program as a starting point. The article also provides information on ways to get involved with …


Staff Matters: The Value Of Using Total Compensation Statements, Jodi Schafer Sphr, Shrm-Scp Aug 2022

Staff Matters: The Value Of Using Total Compensation Statements, Jodi Schafer Sphr, Shrm-Scp

The Journal of the Michigan Dental Association

Amid the challenges of a competitive job market and employee retention, offering a comprehensive view of compensation is crucial. While employees often focus solely on their direct wages, they may overlook the value of indirect benefits like healthcare and paid time off. Employers can bridge this gap by providing total compensation statements detailing direct and indirect compensation, demonstrating their investment in employees. Such transparency builds trust and allows employees to assess their compensation relative to other employers better. Employers should ensure consistent calculations and pay equity and emphasize the purpose of sharing this information to foster a positive work culture.


Ada Trustee Report: Does The Ada Have A Long-Term Vision For Oral Health In America?, Michele Tulak-Gorecki Dds Aug 2022

Ada Trustee Report: Does The Ada Have A Long-Term Vision For Oral Health In America?, Michele Tulak-Gorecki Dds

The Journal of the Michigan Dental Association

This trustee report discusses the need for a long-term vision for oral health in America within the context of changing trends in dentistry. It highlights key questions related to evolving member value propositions, improving insurance coverage, expanding collaboration with primary care providers, and establishing dentistry as an essential part of the primary care system. A Board workgroup has been formed to explore potential actions and recommendations. The report underscores the importance of addressing these challenges. It encourages the dental profession to have meaningful conversations and work together to shape a future that aligns with new generations' evolving needs and expectations.


Running For Office 101, William Sullivan Jd Aug 2022

Running For Office 101, William Sullivan Jd

The Journal of the Michigan Dental Association

The pull-out section presents the MDA resources and support available from the MDA for members considering public service. It discusses the importance of having dentists in the Michigan Legislature and provides a guide to encourage dentists to run for public office. Running for public office is a significant decision, and the guide "Running for Office 101," offers information and insights for potential candidates.


Dentistry And The Law: Can Dental Plan Ratings Be Defamatory?, Dan Schulte Jd Aug 2022

Dentistry And The Law: Can Dental Plan Ratings Be Defamatory?, Dan Schulte Jd

The Journal of the Michigan Dental Association

This article discusses the legal implications of dental plan ratings for dentists. If a dental plan assigns a rating to dentists and publishes it to patients without providing specific information about the rating's basis or an opportunity for dentists to contest it, legal recourse may be limited. Currently, no statutory law regulates such ratings, leaving dentists potentially vulnerable to defamatory ratings. Under Michigan law, dentists could sue for defamation, but proving the rating's falseness and the resulting loss of patients may be challenging. Federal regulation is suggested to ensure fairness, transparency, and protection for dentists subjected to involuntary ratings.


J Mich Dent Assoc August 2022 Aug 2022

J Mich Dent Assoc August 2022

The Journal of the Michigan Dental Association

Monthly, The Journal of the Michigan Dental Association brings news, information, and feature articles to our state's oral health community and the MDA's 6,200+ members. No publication reaches more Michigan dentists! In this August 2022 issue, the reader will find the following original content:

  • A cover story on choosing to partner with a Dental Service Organization (DSO)
  • A conversation with three dentists on how and why they are involved with organized dentistry.
  • A 10-Minute EBD on the efficacy of vacuum-formed removable orthodontic retainers
  • News you need, an Editorial, a report from our ADA Trustee and regular department articles, Dentistry and …


Employment Discrimination’S Impact On African American’S Professional And Personal Lives, Trey D. Williams Aug 2022

Employment Discrimination’S Impact On African American’S Professional And Personal Lives, Trey D. Williams

Information Systems Undergraduate Honors Theses

Title VII of the Civil Rights Act of 1964 makes it illegal to discriminate against a person because of their race, color, religion, sex, or national origin. The law also protects individuals from retaliation if they complain about discrimination, participate in an employment discrimination proceeding, or reasonably oppose discrimination. Although Title VII makes discrimination illegal, it is still present in the workplace. The objective of this thesis is to discuss employee discrimination based on race and sex. Specifically, I will analyze the current workplace discrimination against African American men and women as well as the psychological, physiological, and emotional effects …


The Media Discourses On Organ Donation And Transplantation In Spain (1954-2020) And Their Implications For Spanish Nationalism, Rebeca Herrero Sáenz Aug 2022

The Media Discourses On Organ Donation And Transplantation In Spain (1954-2020) And Their Implications For Spanish Nationalism, Rebeca Herrero Sáenz

Legacy Theses & Dissertations (2009 - 2024)

Spain has been the global leader in organ donation and transplantation since 1992, an achievement that has become a source of national pride, in a country where national symbols are heavily contested. In this dissertation I examine the changing meanings that organ donation and transplantation have acquired in contemporary Spain, focusing specifically on their implications for different aspects of Spanish nationalism. To do so, I employ a modified version computational grounded theory, a mixed-methods approach that combines topic modeling with interpretive analysis, to identify and interpret the narratives around organ donation and transplantation circulated by the Spanish press between 1954 …


Treating Anonymous Patients : The Effectiveness, Costs, And Strategies Of Promoting The Use Of Expedited Partner Therapy, Andre Kiesel Aug 2022

Treating Anonymous Patients : The Effectiveness, Costs, And Strategies Of Promoting The Use Of Expedited Partner Therapy, Andre Kiesel

Legacy Theses & Dissertations (2009 - 2024)

Despite decades of concerted efforts to prevent their spread, chlamydia andgonorrhea remain two of the most prevalent sexually transmitted infections in the United States (U.S.) — exacting a high toll in terms of human health and healthcare expenditure. Though easily cured with antibiotics, both infections may lead to damaging secondary health conditions – known as sequelae – if untreated, including infertility among females. However, treating diagnosed individuals (known as “index patients”) is not enough—it is critical to also care for their recent sex partners as well, lest they reinfect the treated patient. Partner referral is the traditional approach to partner …


Potential And Pitfalls Of Mobile Mental Health Apps In Traditional Treatment: An Umbrella Review, Jerica Koh, Germaine Y. Q. Tng, Andree Hartanto Aug 2022

Potential And Pitfalls Of Mobile Mental Health Apps In Traditional Treatment: An Umbrella Review, Jerica Koh, Germaine Y. Q. Tng, Andree Hartanto

Research Collection School of Social Sciences

While the rapid growth of mobile mental health applications has offered an avenue of support unbridled by physical distance, time, and cost, the digitalization of traditional interventions has also triggered doubts surrounding their effectiveness and safety. Given the need for a more comprehensive and up-to-date understanding of mobile mental health apps in traditional treatment, this umbrella review provides a holistic summary of their key potential and pitfalls. A total of 36 reviews published between 2014 and 2022—including systematic reviews, meta-analyses, scoping reviews, and literature reviews—were identified from the Cochrane library, Medline (via PubMed Central), and Scopus databases. The majority of …


Cognitive Testing For Sport Concussion: The Immediate Post-Concussion Assessment And Cognitive Testing (Impact), Julia E. Maietta Aug 2022

Cognitive Testing For Sport Concussion: The Immediate Post-Concussion Assessment And Cognitive Testing (Impact), Julia E. Maietta

UNLV Theses, Dissertations, Professional Papers, and Capstones

Sport concussion is among the most common injuries for an athlete to experience during sport participation. Because of the complex pathophysiological process that affects the brain during and after concussion, symptoms can be heterogeneous in presence and severity. Although most acute symptoms (e.g., headache, slowed processing speed, loss of consciousness, irritability, depression, anxiety) resolve within seven to 10 days for most athletes, there is evidence that higher initial symptom burden and other genetically based differences can lead to longer symptom duration and complicated recovery post-concussion. Because structural changes that commonly occur as a result of concussion (e.g., diffuse axonal injury) …


Awareness And Knowledge On Aging And Hiv-Associated Neurocognitive Disorder: Service User And Provider Perspectives In Southern Nevada, Brandon C. Ranuschio Aug 2022

Awareness And Knowledge On Aging And Hiv-Associated Neurocognitive Disorder: Service User And Provider Perspectives In Southern Nevada, Brandon C. Ranuschio

UNLV Theses, Dissertations, Professional Papers, and Capstones

HIV-Associated Neurocognitive Disorder (HAND) is a condition that can affect up to 50% of people living with HIV/AIDS (PLWH) and present as a cluster of neurocognitive difficulties in domains such as attention, memory, concentration, language, information processing, decision-making, problem-solving, and even motor skills. The current study intended to identify awareness and knowledge of HAND among middle-aged and older PLWH and their healthcare or service providers in Southern Nevada. Using a Community-Based Participatory Research approach, participants from the community were recruited to complete a survey that assessed awareness and knowledge of HAND. The survey also assessed the personal experiences of PLWH …


The Intergenerational Mortality Tradeoff Of Covid-19 Lockdown Policies, Lin Ma, Gil Shapira, Damien De Walque, Quy-Toan Do, Jed Friedman, Andrei A. Levchenko Aug 2022

The Intergenerational Mortality Tradeoff Of Covid-19 Lockdown Policies, Lin Ma, Gil Shapira, Damien De Walque, Quy-Toan Do, Jed Friedman, Andrei A. Levchenko

Research Collection School Of Economics

In lower-income countries, the economic contractions that accompany lockdowns to contain COVID-19 transmission can increase child mortality, counteracting the mortality reductions achieved by the lockdown. To formalize and quantify this effect, we build a macro-susceptible-infected-recovered model that features heterogeneous agents and a country-group-specific relationship between economic downturns and child mortality and calibrate it to data for 85 countries across all income levels. We find that in some low-income countries, a lockdown can produce net increases in mortality. The optimal lockdown that maximizes the present value of aggregate social welfare is shorter and milder in poorer countries than in rich ones.


Estimating The Health Effects Of Adding Bicycle And Pedestrian Paths At The Census Tract Level: Multiple Model Comparison, Ross J. Gore, Christopher Lynch, Craig Jordan, Andrew Collins, R. Michael Robinson, Gabrielle Fuller, Pearson Ames, Prateek Keerthi, Yash Kandukuri Aug 2022

Estimating The Health Effects Of Adding Bicycle And Pedestrian Paths At The Census Tract Level: Multiple Model Comparison, Ross J. Gore, Christopher Lynch, Craig Jordan, Andrew Collins, R. Michael Robinson, Gabrielle Fuller, Pearson Ames, Prateek Keerthi, Yash Kandukuri

VMASC Publications

Background: Adding additional bicycle and pedestrian paths to an area can lead to improved health outcomes for residents over time. However, quantitatively determining which areas benefit more from bicycle and pedestrian paths, how many miles of bicycle and pedestrian paths are needed, and the health outcomes that may be most improved remain open questions.

Objective: Our work provides and evaluates a methodology that offers actionable insight for city-level planners, public health officials, and decision makers tasked with the question “To what extent will adding specified bicycle and pedestrian path mileage to a census tract improve residents’ health outcomes over time?” …


Intolerance Of Uncertainty Specific To Compulsive Exercise : Development And Preliminary Validation Of The Exercise-Specific Intolerance Of Uncertainty Scale, Christina Scharmer Aug 2022

Intolerance Of Uncertainty Specific To Compulsive Exercise : Development And Preliminary Validation Of The Exercise-Specific Intolerance Of Uncertainty Scale, Christina Scharmer

Legacy Theses & Dissertations (2009 - 2024)

Compulsive exercise is poorly understood and difficult to treat. Overlap between definitions of compulsive exercise, eating disorders and OCD suggests that conceptualizations of these disorders may include shared underlying mechanisms, including intolerance of uncertainty. Although intolerance of uncertainty is traditionally conceptualized as a non-specific construct representing an individual’s dispositional distress in the face of general uncertainty, identifying specific forms of intolerance of uncertainty may further assist in understanding the specific factors that contribute to the development and maintenance of problematic behaviors, including compulsive exercise. The current study aimed to develop an assessment instrument that captures exercise-specific variations in intolerance of …


Perceived Discrimination And Injury At Work: A Cross-Sectional Study Among Latino Day Laborers, Lynn N Ibekwe, John S Atkinson, Rosalia Guerrero-Luera, Yesmel A King, Maria L Rangel, Maria Eugenia Fernández-Esquer Aug 2022

Perceived Discrimination And Injury At Work: A Cross-Sectional Study Among Latino Day Laborers, Lynn N Ibekwe, John S Atkinson, Rosalia Guerrero-Luera, Yesmel A King, Maria L Rangel, Maria Eugenia Fernández-Esquer

Student and Faculty Publications

BACKGROUND: Given the stigma of their undocumented status and their high prevalence of workplace injury, understanding the impact of discrimination on Latino day laborers (LDLs) is a critical public health issue.

METHODS: We surveyed LDLs (N = 149) and assessed their sociodemographics, experiences of and perceived reasons for discrimination, and work-related injury. A logistic regression examined the association between discrimination and injury, adjusting for sociodemographics. Next, Chi-square tests identified perceived reasons for discrimination associated with injury which were then included in a second logistic regression to test their association with injury, adjusting for discrimination and sociodemographics.

RESULTS: Participants reported a …


Racial And Ethnic Disparities In The Refusal Of Surgical Treatment In Women 40 Years And Older With Breast Cancer In The Usa Between 2010 And 2017, Pierre Fwelo, Zenab I Yusuf, Abigail Adjei, Gabriel Huynh, Xianglin L Du Aug 2022

Racial And Ethnic Disparities In The Refusal Of Surgical Treatment In Women 40 Years And Older With Breast Cancer In The Usa Between 2010 And 2017, Pierre Fwelo, Zenab I Yusuf, Abigail Adjei, Gabriel Huynh, Xianglin L Du

Student and Faculty Publications

PURPOSE: Although surgical resection is the main modality of treatment for breast cancer, some patients elect to refuse the recommended surgery. We assessed racial and ethnic differences in women 40 years and older who received or refused to receive surgical treatment for breast cancer in the USA and whether racial disparities in mortality were affected by their differences in the prevalence of refusal for surgical treatment.

METHODS: We studied 277,127 women with breast cancer using the Surveillance, Epidemiology, and End Results (SEER) data and performed multivariable logistic regressions to investigate the association between surgery status of breast cancer and race/ethnicity. …


Perceived Discrimination And Injury At Work: A Cross-Sectional Study Among Latino Day Laborers, Lynn N Ibekwe, John S Atkinson, Rosalia Guerrero-Luera, Yesmel A King, Maria L Rangel, Maria Eugenia Fernández-Esquer Aug 2022

Perceived Discrimination And Injury At Work: A Cross-Sectional Study Among Latino Day Laborers, Lynn N Ibekwe, John S Atkinson, Rosalia Guerrero-Luera, Yesmel A King, Maria L Rangel, Maria Eugenia Fernández-Esquer

Student and Faculty Publications

BACKGROUND: Given the stigma of their undocumented status and their high prevalence of workplace injury, understanding the impact of discrimination on Latino day laborers (LDLs) is a critical public health issue.

METHODS: We surveyed LDLs (N = 149) and assessed their sociodemographics, experiences of and perceived reasons for discrimination, and work-related injury. A logistic regression examined the association between discrimination and injury, adjusting for sociodemographics. Next, Chi-square tests identified perceived reasons for discrimination associated with injury which were then included in a second logistic regression to test their association with injury, adjusting for discrimination and sociodemographics.

RESULTS: Participants reported a …


Trauma And Resilience Among Migrant Children From Mexico And The Northern Triangle Eroute To The United States, Georgina Sanchez-Garcia Aug 2022

Trauma And Resilience Among Migrant Children From Mexico And The Northern Triangle Eroute To The United States, Georgina Sanchez-Garcia

Open Access Theses & Dissertations

Children who experience the phenomenon of migration from the Northern Triangle region and Mexico en route to the United States face pressing problems with psychosocial consequences that ostensibly affect them and are reflected in the violation of their human rights. We studied trauma and resilience among migrant children from Mexico and the Northern Triangle nations â??Guatemala, El Salvador, and Hondurasâ?? who are uprooted from their communities to undertake the dangerous overland journey to the United States (Lusk & Sanchez-Garcia, 2021; Rodriguez, 2020; UNICEF, 2018). The experience of such migration for children can be fraught with hardship, and it may have …


Break The Chains Of Generational Trauma, Jessica Calalay Aug 2022

Break The Chains Of Generational Trauma, Jessica Calalay

Sociology Student Work Collection

Generational trauma is complex. When you can identify the trauma, you can heal the trauma. You are not alone.


Himmelfarb Library Liaison Letter - August 2022, George Washington University, Himmelfarb Health Sciences Library Aug 2022

Himmelfarb Library Liaison Letter - August 2022, George Washington University, Himmelfarb Health Sciences Library

Himmelfarb Library Liaison Letters

No abstract provided.


Life In An Endemic Covid-19: Older Adults' Well-Being, Activity, And Perceptions, Rachel Ngu, Micah Tan, Jia Ying Low Aug 2022

Life In An Endemic Covid-19: Older Adults' Well-Being, Activity, And Perceptions, Rachel Ngu, Micah Tan, Jia Ying Low

ROSA Research Briefs

The current research brief provides a preliminary examination of whether older adults have been able to ‘return’ to the pre-pandemic way of life in an endemic COVID-19. To do this, we look at several key indicators, including (1) tracking older adults’ overall life satisfaction, activity levels, and trust in government over the past 3 years, (2) older adults’ confidence to resume activities, as well as subjective perceptions about their safety when leaving the home in an endemic COVID-19, and (3) older adults’ ability to adhere to the Home Recovery Program (HRP), where individuals with COVID-19 are able to recover from …


Children’S Positive Peer Relationships And Their Bullying Behaviors: A Latent Profile Analysis, Lauren Mutignani Aug 2022

Children’S Positive Peer Relationships And Their Bullying Behaviors: A Latent Profile Analysis, Lauren Mutignani

Graduate Theses and Dissertations

In the current study, I aim to expand upon traditional methods for classifying children based on positive peer nominations and contribute to the field’s understanding of high-status bullies who maintain social resources despite bulling behaviors (e.g., van der Ploeg et al., 2020). Both reciprocated and one-sided (i.e., received and sent) positive peer nominations were used to distinguish socially meaningful subgroups. Participants included 659 children from 34 classrooms (M Age = 9.31 years, SD = .49 years; girls = 50.6%; Hispanic/Latino/a/x = 42.5%, White/European American = 29.9%, Black/African American = 2.3%, Asian/Asian American/Pacific Islander = 11.7%, Native American = 2.3%, Bi/Multiracial …


Histomonosis In Turkeys – Factors Influencing Transmission, Pathogenesis, And The Search For Prophylactic Or Therapeutic Compounds, Thainá Landim De Barros Aug 2022

Histomonosis In Turkeys – Factors Influencing Transmission, Pathogenesis, And The Search For Prophylactic Or Therapeutic Compounds, Thainá Landim De Barros

Graduate Theses and Dissertations

The incidence of histomonosis has been increasing in poultry since the ban of prophylactic and therapeutic compounds. Histomonosis is caused by the protozoa Histomonas meleagridis. The objective of this dissertation was to investigate factors impacting the pathogenesis and transmission of histomonosis and to evaluate compounds that could potentially prevent or reduce the severity of histomonosis in turkeys. In the first study, the effect of sodium chlorate and sodium nitrate on reducing histomonads growth was tested in vitro and added to a basal turkey diet. A decrease in the growth of histomonads in vitro was observed, but no in vivo effect …


Local Broadcast Reporters Maintaining Social Responsibility And Mental Health While Serving A Community Under Lockdown, Mary-Morgan Ellis Aug 2022

Local Broadcast Reporters Maintaining Social Responsibility And Mental Health While Serving A Community Under Lockdown, Mary-Morgan Ellis

Graduate Theses and Dissertations

This study looks at local broadcast news reporters working in Northwest Arkansas before, at the start, and during the COVID-19 global pandemic. Research for this study includes a content study of the tweets and Twitter accounts of eleven local reporters. This study considers the social responsibility theory and examines how these eleven local reporters use the theory in their everyday work. Research found, though these reporters don’t credit the theory by name, they are still putting its guidelines into effect as a sort of moral compass when creating objective and representative news for their communities. The research also found that …


The Effects Of Physical Function And Genetics On Cognition And Blood Biomarkers In Individuals At-Risk For Alzheimer’S Disease And Related Dementias, Joshua Louis Gills Aug 2022

The Effects Of Physical Function And Genetics On Cognition And Blood Biomarkers In Individuals At-Risk For Alzheimer’S Disease And Related Dementias, Joshua Louis Gills

Graduate Theses and Dissertations

Alzheimer’s disease and related dementia (ADRD) rates are expected to triple by the year 2050. Early detection and specific mitigation efforts are warranted to blunt the alarming rate. Physical function (PF) declines with age, but higher physical function is associated with better cognitive functioning in middle-to- older age individuals. Moreover, greater physical activity (PA) is associated with better global cognition; however, Apoliporotein e4 carriers may not gain the same benefits with exercise. Additionally, plasma phosphorylated tau 217 (p-tau217) has been identified as a novel diagnostic ADRD biomarker which needs further research to examine associations with risk factors. Therefore, the aims …


An Innocent Bystander Walks Into A Bar: The Influence Of Temporal Proximity And Familiarity On Unconscious Transference, Nia Gipson Aug 2022

An Innocent Bystander Walks Into A Bar: The Influence Of Temporal Proximity And Familiarity On Unconscious Transference, Nia Gipson

Graduate Theses and Dissertations

According to The Innocence Project, 69% of DNA exonerations in the United States involved mistaken eyewitness identification as a contributing factor to these errant convictions. Psychologists have contributed towards minimizing mistaken identifications by proposing best practices that law enforcement still follow today. One understudied cause of mistaken eyewitness identification is unconscious transference (UT). UT is a memory error in which a person encountered in an innocent context becomes confused with a person seen in a guilty context (Loftus, 1976). Past research has established some boundary conditions for when UT can occur; however, the limited methodology has resulted in narrow conclusions …


The Effects Of Consumer Loan Application Formats And Advertised Terms On Consumer Borrowing Decisions, Alicia M. Johnson Aug 2022

The Effects Of Consumer Loan Application Formats And Advertised Terms On Consumer Borrowing Decisions, Alicia M. Johnson

Graduate Theses and Dissertations

Consumers continue to demonstrate a willingness to accrue more debt. They are also more accepting of increased repayment risk via the acceptance of longer loan terms. Extant research on consumer borrowing consists primarily of experiments designed to assess consumer choices and understand how consumers evaluate loan attributes in relation to one another within consumer borrowing contexts (Kamleitner, Hoelzl, and Kirchler 2012; Ranyard et al., 2006). Thus, prior research examines consumer responses to loan information rather than the generation of loan parameters at the time of financing. With important implications for consumers, marketers of financial products, academic researchers, and federal regulators, …