Education and Workforce DevelopmentGraduate StudentI am interested in financial literacy and consumer debt, (and associated behaviors) as well as adult education and distance learning. Financial Literacy involves learning of financial concepts and the behavioral aspects of what people decide to do with the information once they have it. Adult education theories delve into the unique ways in which adults learn. Many people learn about finance as adults. Additionally, adult education occurs in several formats, including online. I am interested in whether education or regulation is more effective in motivating citizens to make sound financial decisions. Currently, I am exploring Transformative Learning Theory applied to the concept of consumer debt.