Picture of Cliff Robb

Cliff Robb

Associate Professor
Consumer Science Department; Personal Finance Major
Office 4202
“A goal without a plan is just a wish.”

– Antoine de Saint-Exupery

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.

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


Center for Financial Security
Institute for Research on Poverty

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 Robb, Gen Z Green Podcast, November 9, 2020
How the pandemic is impacting Halloween spending this year, NBC 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 bad, PolitiFact, December 27, 2019

Social Media

Twitter: @CliffRobb

Advanced Consumer Finance (CNSR SCI 627)

Family Financial Counseling (CNSR SCI 675)

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.