Articlegreen2004

Applying the Transtheoretical Model of Change to Consumer Debt Behavior

Jing Jian Xiao · Barbara M. Newman · Janice M. Prochaska · Berta Leon · Robert L. Bassett · Janet L. Johnson

59 citations0/0 files storedJournal of Media Literacy Education

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Behavioral Health and Interventions Financial Literacy, Pension, Retirement Analysis Decision-Making and Behavioral Economics

Abstract

The Transtheoretical Model of Change (TMM) provided the framework for developing a measure to assess readiness to get out of credit card debt with consumers who are having credit card debt troubles. Key constructs of TTM include stages of change, decisional balance, self-efficacy, and processes of change. The items for the measure were developed by qualitative interviews with experts in credit counseling and consumers with debt troubles. A survey was then completed with a reliability and validity of the measure. The results have potential for use by counseling practitioners, educators and researchers.

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References

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2008Potential and Pitfalls of Applying Theory to the Practice of Financial Education 2021The Able Worry More? Debt Delinquency, Financial Capability, and Financial Stress 2018A Systematic Literature Review to Identify Successful Elements for Financial Education and Counseling in Groups 2010Financial Capability: What is It, and How Can It Be Created?2008Completing Debt Management Plans in Credit Counseling: An Application of the Theory of Planned Behavior

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