Reports & Publications

InCharge provides an array of research data, papers and studies on consumer financial behavior and financial stress, and how credit counseling and debt management programs can help, with a special emphasis on financial education in the workplace.

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Working Papers

Papers on consumer economic well being and financial fitness, and the financial behaviors of credit counseling and debt management clients.

Credit Counseling and Personal Financial Well-being

Studies on the benefits of debt management programs and the impact of employee financial problems on employers.

Value of Improved Personal Financial Well-Being to Employers

Studies on the costs to employers of poor employee financial behaviors, and how workplace financial education can yield bottom-line benefit for those employers.

Financial Education Needs and Impacts

Studies on the benefits of personal financial education and credit counseling to both the general population and to employers.

Financial Problems and Retirement Preparation

These papers express concerns about evidence of inadequate retirement planning and how workplace financial education can play a role in reversing this trend.

Values of Credit Counseling and Debt Management

Studies on the human costs of financial stress and the effects of credit counseling on improving financial behaviors.