Date of Award

Spring 2021

Document Type

Honors Thesis


Communication Studies

First Advisor

Dr. Jill Tyler

Second Advisor

Dr. Leah Seurer

Third Advisor

Professor Karen Davies


consumer credit; financial literacy; credit communication; personal finance; finance curriculum

Subject Categories

Business | Communication


This thesis observes the credit system’s communicative patterns and stigmas that have fueled consumer ignorance and discouraged valuable financial discourse and education. For generations, credit consumers have been kept in the dark from imperative personal finance topics. Parents and guardians are not having conversations with their children about credit at home, and neither are a majority of educators. The lack of credit communication at home and in the classroom has ultimately created a massive population that is vulnerable to the manipulation of credit issuers and companies. Consumer ignorance and vulnerability due to the exclusion of credit from conversations and curriculums have created damaging communicative patterns and stigmas surrounding credit and personal finance. These communicative patterns and stigmas have created emotional and material barriers that barricade current and future consumers from financial enlightenment and freedom. We as a society must remove these barriers by communicating with children and educating adolescents on the realities of the credit system and personal finance. So, let’s talk about (cred)it.



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