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• Permanently lost a job or closed a business
• Became temporarily unemployed or temporarily closed a business
• Started a new job or established a new business
• Began a new telework schedule
• Continued teleworking
• Continued reporting to a place of business
• Continued to be unemployed or out of the labor force
• Reduced hours
• Increased hours
• Other
• Broker

• Mortgage
• Rent
• Auto Loans
• Credit Cards
• Student Loans
• Other Loans
• Utilities
• None of these

• Missed a regular payment on rent or mortgage
• Missed a regular payment on a credit card, auto loan, or other debt
• Missed a regular payment on utilities
• Delayed a payment on, or were unable to pay, a medical bill
• Struggled to afford food
• Had trouble buying food even though you had money
• No hardship
• Other hardship (specify)

• Call around
• Newspapers/Magazines
• Material in the mail
• Television/Radio
• Internet/Online service
• Advertisements
• Friend/Relative
• Lawyer
• Accountant
• Banker
• Broker
• Financial Planner
• Other
• Never borrow
• Do not save or invest

• Commercial bank
• Savings & Loan or Savings bank
• Credit Union
• Mortgage Company
• Finance or Loan Company
• Brokerage
• Broad Financial Services Company
• Other

• Personal savings or assets
• Credit card (personal or business)
• Personal loan from a bank or savings institution
• Personal loan from a credit union
• Personal loan from some other type of institution or investor
• Business loan from a bank or savings institution
• Business loan from a credit union
• Business loan from some other type of institution or investor
• Other

• Business checking or share draft accounts
• Business savings accounts
• Business lines of credit
• Business mortgages
• Other business loans or leases
• Business credit cards
• Credit or debit card payment processing
• Other

• Aspire Resources Inc.
• CornerStone
• ESA/EdFinancial
• FedLoan Servicing/AES (PHEAA)
• Granite State – GSMR
• Great Lakes Educational Services, Inc.
• MOHELA
• Navient (formerly Sallie Mae)
• Nelnet
• OSLA Servicing
• VSAC Federal Loans
• Discover Financial Services
• The First Marblehead Corporation
• JP Morgan Chase Bank
• PNC Bank
• SunTrust Bank
• U.S. Bank
• Wells Fargo Bank
• RBS Citizens
• College or University
• Other

• Next few months
• Next year
• Next few years
• Next 5 –10 years
• Longer than 10 years

• Take substantial financial risks expecting to earn substantial returns
• Take above average financial risks expecting to earn above average returns
• Take average financial risks expecting to earn average returns
• Not willing to take any financial risks

• Don’t save – usually spend more than income
• Don’t save – usually spend about as much as income
• Save whatever is left over at the end of the month – no regular plan
• Save income of one family member, spend the other
• Spend regular income, save other income
• Save regularly by putting money aside each month

• Family
• Friends
• Credit Card
• Payday Lender
• Pawn Shop
• Car Title Lender
• Church
• Social Service Institution

• Savings account
• Stocks, bonds, CDs, or other financial assets
• Home equity loan or line of credit
• Pension or Retirement Accounts
• Automobile
• Real estate
• Durable goods
• Other miscellaneous valuables

• Credit cards
• Store charge cards
• Payments due for services or goods purchased
• Utilities
• Insurance
• Rent
• Mortgage
• Auto loans
• Student loans
• Other Miscellaneous loans
• Installment or layaway loans

• Eating or drinking out
• Food or beverages at home
• Entertainment
• Travel
• Non-durable goods
• Personal care
• Health care
• Personal or home services

• Location of their offices
• Had the lowest fees/minimum balance requirement
• Able to obtain many services at one place
• Offered safety and absence of risk
• Some other reason

Retirement assets associated with jobs

Current Job Pensions

• 401(k) and other account plans
• Plans that provide monthly retirement income
• Hybrid plans

Past Job Pensions

• Currently receiving benefits /making withdrawals
• Will receive benefits in the future

Social Security

• Retirement, survivor’s, or disability benefits

Other retirement assets

IRAs, Keoghs

• Started directly, or rolled over from pension/account from a former job

Annuities

• Directly purchased annuities

• Don’t write enough checks to make it worthwhile
• Minimum balance is too high
• Do not like dealing with banks
• Service charges are too high
• No bank has convenient hours or location
• Some other reason

• Working now/ Self-employed
• On vacation/ Other leave of absence
• Temporarily laid off
• Unemployed and looking for work
• On sick leave or maternity leave
• Disabled
• Retired (full, partial, or temporary)
• Student
• Homemaker
• On strike
• Volunteer work
• Other

PLEASE LIST YOUR STRONGEST IDENTIFICATION FIRST

• White
• Black/African-American
• Hispanic/Latino
• Asian
• American Indian/Alaska Native
• Native Hawaiian/Other Pacific Islander
• Other

• Too expensive, can’t afford health insurance
• Don’t believe in health insurance
• Not much sickness in the family - we haven’t needed health insurance
• Dissatisfied with previous insurance
• Job layoff or job loss
• Some other reason