Attribution for “From Doubloons to Debit Cards: Financial Basics for Privateers”
“From Doubloons to Debit Cards: Financial Basics for Privateers” is a remix of multiple openly licensed and original sources. Some content has been rewritten, reorganized, or supplemented with original material. The chapter is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License (CC BY-NC-SA 4.0), unless otherwise noted.
Adapted OER Source Attributions
7.2 Savings, Expenses and Budgeting, 7.3 Credit Cards, and 7.4 Paying for College from “College Success Concise” by Amy Baldwin is licensed under CC BY 4.0 / A derivative from the original work
Managing Your Money from Learning Framework: Effective Strategies for College Success by Laura Lucas is licensed under CC BY-NC-SA-4.0.
References
Board of Governors of the Federal Reserve System. (2018). Report on the economic wellbeing of US households. https://www.federalreserve.gov/publications/2019-economic-well-being-of-us-households-in-2018-dealing-with-unexpected-expenses.htm
Chen, G. (2019, September 27). Studies show community colleges may offer superiors ROI to some four-year schools. Community College Review. https://www.communitycollegereview.com/blog/studies-show-community-college-may-offer-superior-roi-to-some-four-year-schools
Cooper, P. (2017, July 13). New York fed highlights underemployment among college graduates. Forbes. https://www.forbes.com/sites/prestoncooper2/2017/07/13/new-york-fed-highlights-underemployment-among-college-graduates/#55be172f40d8
Consumer Financial Protection Bureau. (2021, May 15). An essential guide to building an emergency fund. https://www.consumerfinance.gov/start-small-save-up/start-saving/an-essential-guide-to-building-an-emergency-fund/
Depra, D. (2015, September 2). Best budgeting apps for college students: Mint, you need a budget and more. Tech Times. http://www.techtimes.com/articles/80726/20150902/best-budgeting-apps-for-college-students-mint-you-need-a-budget-and-more.htm
Drew, J., Britt, S., & Huston, S. (2012). Examining the relationship between financial issues and divorce. Family Relations, 61, 615-628.
Experian. (2021, April 28). How to build a good credit score [Video]. YouTube. https://www.youtube.com/watch?v=EV-fF_tQDXg
Federal Student Aid. (2021). Federal Pell grants. U.S. Department of Education. https://studentaid.gov/understand-aid/types/grants/pell
Federal Student Aid. (2022, April 4). 4 types of financial aid for college [Video]. YouTube. https://www.youtube.com/watch?v=ukHlPdyz33o
Imam, M. (2015, January 20). $2.9 billion unused federal grant awards in last academic year. USA Today. https://www.usatoday.com/story/college/2015/01/20/29-billion-unused-federal-grant-awards-in-last-academic-year/37399897/
Kozma, A. & Stones, M. J. (1983). Predictors of happiness. Journal of Gerontology, 38, 626-628.
Louisiana Office of Student Financial Assistance. (n.d.). Louisiana Office of Student Financial Assistance (mylosfa.la.gov). Louisiana Board of Regents. Retrieved August 5, 2025, from https://mylosfa.la.gov/
Mani, A., Mullainathan, S., Shafir, E., & Zhao, J. (2013). Poverty impedes cognitive function. Science, 341, 976-980.
Sweet, E., Nandi, A., Adam, E. K., & McDade, T. W. (2013). The high price of debt: Household financial debt and its impact on mental health and physical health. Social Science & Medicine, 91, 94-100.