Yu(Yulia) Zhang

College of Family and Consumer Sciences

Financial Planning, Housing and Consumer Economics

Ph.D. Student


Degree Field of Study Institution Graduation
B.S.B.A. Finance University of Missouri - Columbia 2017
B.S. Personal Financial Planning University of Missouri - Columbia 2017
M.S. Personal Financial Planning University of Missouri - Columbia 2019
Ph.D. Financial Planning University of Georgia Expect: 2023



Graduate Instructor

  • FHCE 3260 Computer Application in Financial Planning  

Graduate Assistant

  • FHCE 3100 Introductory Consumer Economics
  • FHCE 3200/3200E Introduction to Personal Finance (Online & On-Site)
  • FHCE 4205 Wealth Management II
  • FHCE 4250 Practice Management in Financial Planning
  • FHCE 5250 Capstone in Financial Planning
  • FHCE 6210E Advanced Retirement Planning and Employee Benefits (Online)
  • FHCE 6250E Advanced Practice Management (Online)
  • FHCE 7200E Advanced Financial Counseling and Client Communication (Online)
  • FHCE 8025E Research Evaluation and Theory in Financial Planning, Housing and Consumer Economics Practice (Online)


Advisory Committee

Areas of Expertise


Current Classes

Current Research

Financial Inclusions, Financial Capability, Financial Behaviors, and Financial Wellbeing

Job Description

Journal Articles

Zhang, Y., & Fan, L. (2022). Financial capability, financial education, and student loan debt: Expected and unexpected results. Journal of Financial Counseling and Planning. DOI: 10.1891/JFCP-2021-0039.

Diaz-Valenzuela, J., Holman, M., Zhang, Y., & Skobba, K. (2022). Local leaders' perceptions of housing access and segregation in their communities. Family and Consumer Sciences Research Journal, 50(4), 272-287. DOI: 10.1111/fcsr.12439

Liu, Y., Zhang, Y., & Chatterjee, S. (2021). Financial hardship and depression experienced by pre-retirees during the COVID-19 pandemic: the mitigating role of stimulus payments. Applied Economics Letters, 30(3), 391-396. DOI: 10.1080/13504851.2021.1989364


Working Papers

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