Cliff RobbProfessor; Department Chair

My research interests include financial decision-making (with an emphasis on the relationship between financial knowledge and observable financial behavior), college student financial behavior, and financial satisfaction and well-being.

Recent press

Slimmer Black Friday crowds as pandemic impacts holiday shopping, WKOW 27 News, November 27, 2020
Student loans might keep you from buying a house with Dr. Cliff RobbGen Z Green Podcast, November 9, 2020
How the pandemic is impacting Halloween spending this yearNBC 15 News, October 19, 2020
Advice to investors worried about coronavirus: ‘No reason to make any moves’CBS 58 News, March 6, 2020
How big is America’s household debt burden today? Overall, not so badPolitiFact, December 27, 2019


Robb, C. A., Schreiber, S., & Heckman, S. (in press) The role of federal and private student loans in homeownership decisions. Journal of Consumer Affairs.

Robb, C. A. (2017). College student financial stress: Are the kids alright? Journal of Family and Economic Issues, 38(4), 514-527.

Robb, C., Babiarz, P., Woodyard, A., and Seay, M. (2015) Bounded rationality and use of alternative financial services. Journal of Consumer Affairs, 49(2), 407-435.

Robb, C. A. (2011). Financial knowledge and credit card behavior of college students. Journal of Family and Economic Issues, 32(4), 690-698.

Robb, C. A., & Woodyard, A. S. (2011). Financial knowledge and ‘best practice’ behavior. Journal of Financial Counseling and Planning, 22(1), 36-46.

Robb, C. A. & Sharpe, D. L. (2009). Effect of personal financial knowledge on college students’ credit card behavior. Journal of Financial Counseling and Planning, 20(1), 25-43.

Classes Taught

  • Course number: CNSR SCI 627: Course title: Advanced Consumer Finance
  • Course number: CNSR SCI 675: Course title: Family Financial Counseling


  • Consumer Science

Degree Program

  • BS Personal Finance
  • PhD Human Ecology: Consumer Behavior and Family Economics


  • Center for Financial Security
  • Institute for Research on Poverty


  • PhD, Personal Financial Planning, University of Missouri–Columbia
  • MS, Consumer Economics, University of Alabama–Tuscaloosa
  • BA, Psychology (minor: History), University of the South


Office: 4202 Nancy Nicholas Hall

Phone: 608-262-3053



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