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<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#1F497D">Hi All –<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#1F497D">I hope that everyone is having a great week! On our campus, we are taking a look at our borrowing patterns of our students, and the drivers that influence borrowing.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#1F497D">Does anyone know of any research that has been done on campuses that looks at the factors that influence students with no debt (or has anyone looked specifically
into this population)? We have some assumptions (based on experience and anecdotes), but are looking to establish a research base around it as well.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#1F497D">Thank you!<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#1F497D">Bryan<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#333333"><img width="224" height="45" id="Picture_x0020_1" src="cid:image001.png@01D035A3.2BA79A10" alt="The Ohio State University"><br>
</span><b><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#BB0000;background:white">Bryan Ashton</span></b><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#333333"><br>
Assistant Director<br>
</span><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#BB0000;background:white">Office of Student Life</span><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#333333"> Student Wellness Center<br>
B130 RPAC, 337 West 17th Avenue, Columbus, OH 43210<br>
(614) 292-4527 Office / (412) 979-6194 Mobile<br>
</span><a href="mailto:ashton.53@osu.edu"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:blue;background:white">ashton.53@osu.edu</span></a><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#333333">
</span><a href="http://swc.osu.edu/"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:blue;background:white">swc.osu.edu</span></a><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#333333"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Arial","sans-serif";color:#333333"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:6.0pt;font-family:"Arial","sans-serif";color:#1F497D">EDUCATIONAL SERVICE ONLY; NO ADVICE IS PROVIDED</span><span style="font-size:6.0pt;font-family:"Times New Roman","serif";color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:6.0pt;font-family:"Arial","sans-serif";color:#1F497D">Scarlet and Gray Financial Coaching is an educational service only. We do not provide investment, legal, debt consolidation, debt management or tax advice. The
information provided is for general educational purposes only, and is not intended to substitute for the advice of your investment, legal, tax advisors and/or credit counselors or to be the basis of specific trading, investment or debt consolidation and management
activities. If you need investment, legal, tax advice, and/or credit counseling, please consult with one of these professionals.</span><span style="font-size:6.0pt;font-family:"Times New Roman","serif";color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:6.0pt;font-family:"Arial","sans-serif";color:#1F497D"> </span><span style="font-size:6.0pt;font-family:"Times New Roman","serif";color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:6.0pt;font-family:"Arial","sans-serif";color:#1F497D">The links to third-party financial resources are provided as a convenience for informational purposes only. Neither The Ohio State University or its Student Wellness
Center endorses or approves any of the products, services or opinions of the entities or individuals associated with these links. The Ohio State University and its Student Wellness Center bear no responsibility for the accuracy, legality or content of any
external site associated with the links provided or any subsequent links.</span><span style="font-size:6.0pt;font-family:"Times New Roman","serif";color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
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