19 The State of American Finances

Resources & Methodology

  1. Junior Achievement. (2015). Survey Reveals Startling Disconnect Between Teens’ and Parents’ Views on Paying for College and Other Personal Finance Topics.
  2. Marte, J. (January 5, 2015). Where interest rates are going in 2015 — and what it means for your loans. The Washington Post.
  3. National Small Business Association. (February 2015). 2014 Year-End Economic Report.
  4. Pascual, A. and Miller, S. (March 2015). 2015 Identity Fraud: Protecting Vulnerable Populations.
  5. Ratcliffe, C., et al. (July 29, 2014). Delinquent Debt in America. Urban Institute.
  6. Sallie Mae (2015). How America Saves for College.
  7. Sparshott, J. (May 8, 2015). Congratulations, Class of 2015. You’re the Most Indebted Ever (For Now). Wall Street Journal.
  8. Calonia, J.(September 9, 2014). How do Your Finances Measure up to The Average American? GoBankingRates.
  9. U.S. Bureau of Labor and Statistics. (April 23, 2015). Employment Characteristics of Families – 2014.
  10. U.S. Census Bureau. (January 29, 2015). Residential Vacancies and Homeownership in the Fourth Quarter 2014.
  11. U.S. Census Bureau. (March 2012). 1940-2010: How Has America Changed?
  12. U.S. Census Bureau. (2012). Statistical Abstract of the United States: 2012.
  13. U.S. Census Bureau. Current Population Survey, Annual Social and Economic Supplements.
  14. U.S. Federal Reserve. (May 2015). Federal Reserve Statistical Release – Consumer Credit.

We used the most recent, trustworthy data to compile the data and statistics contained in this report. However, many reliable sets of data are compiled and released at different times. For example, the U.S. Census is conducted by the federal government every 10 years and the Survey of Consumer Finances is conducted by the Federal Reserve every 3-5 years. As such, not all of the data in this report comes from the same year.

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