Lucy Delgadillo
Applied Sciences Technology & Education (ASTE)
Professor | Consumer Sciences/Family Finance and Financial Literacy
Contact Information
Office Hours: By appointmentOffice Location: Family Life 308A
Phone: 435-797-7204
Email: lucy.delgadillo@usu.edu
Educational Background
Licensures & Certifications
Biography
Lucy M. Delgadillo is a professor in the School of Applied Sciences, Technology, and Education. She received her doctoral Degree in Family Life from Utah State University. In addition, she has a Master's degree in Political Sciences and a Master's degree in Communicational Organization (ABD). Her undergraduate work includes two bachelor's degrees: one in Communications from the University of Costa Rica and another in Broadcasting and Sociology from Murray State University in Kentucky. She has received two Fulbright Scholarships and has over 100 publications.
Teaching Interests
My teaching philosophy: I see teaching as a service I provide to my students. The classroom is a participatory learning environment where we all learn from each other. My main objective is to facilitate processes so my students can apply what they have learned in the classroom to their lives.
Research Interests
My research interests include financial coaching, financial counseling, financial education, behavioral finance, first time home buyers counseling and educational programs, and housing finance. Financial educational needs of the LGBTQIA+ community.
Graduate Advising Philosophy Statement: My approach to advising is nurturing self-efficacy. In this approach, the student has some idea of their goal or what they are trying to accomplish. I encourage them to be confident in their choice and assertive in taking the steps necessary to achieve their goal. I expect my advisees to work without daily input or guidance from me. I am always available for consultation; however, you are expected to use good judgment. Advising is not simply dispensing how-to information and navigating degree requirements. It is about establishing a connection with the student, which allows for honest, meaningful interaction. It is a central part of my work and incredibly rewarding.
Awards
Distinguished Educator of Personal Finance Award, 2022
Next Generation Personal Finance
Certificate in Effective College Instruction , 2021
Association of College and University Educators, American Council on Education
2022-2025 AFCPE Board of Directors, 2021
Association for Financial Counseling and Planning Education
Teaching Scholar Certificate, 2021
USU Empowering Teaching Excellence
Faculty University Service Award for the College of Agriculture and Applied Sciences, 2021
CASS
Editorial Board Member, 2020
AAFCS
Extension Housing Outreach Award, 2020
National Extension Association of Family and Consumer Sciences Education
Best Professional Paper Award, 2018
AAFCS
Board of Trustees Member, 2017
Utah Housing Corporation
Alumni Spotlight, 2016
Utah State University- Political Sciences Department
Strong Human Services Award, 2013
Emma Eccles College of Education and Human Services
International Ambassador Fellowship Award, 2012
Housing Education and Research Association
Associate Editor, 2011
Family and Consumer Sciences Research Journal
Journal of Consumer Affairs, Best Article Award. , 2010
American Council on Consumer Interests
Fulbright Scholar 2010, 2010
Department of State
Researcher of the Year Award, 2009
Housing Impact Award, 2008
Housing Education and Research Association
Outstanding Journal Article Award (with Leslie Green), 2008
Innovative Program Home Buyer Education Award, 2001
Dissertation Research Award, 2000
Western Region Home Management Family Economics Educatiors
Research Assistant of the Year, 1999
College of Family Life
Phyllis R. Snow Graduate Endowment, 1998
College of Family Life
Phyllis R. Snow Graduate Endowment, 1997
College of Family Life
Graduate Student Scholarship, 1996
American Association of University Women, Local Chapter, Utah State University
Phyllis R. Snow Graduate Endowment, 1996
College of Family Life
Scholastic Achievement Award, 1991
United States Information Agency
Fulbright Scholar CAMPUS III, 1989
Department of State
Publications | Abstracts
- Christensen, A., Johnson, A.C, Dew, J.P, Delgadillo, L., (2012). Financial Personalities and Relationship Quality. AFCPE
An asterisk (*) at the end of a publication indicates that it has not been peer-reviewed.
- Delgadillo, L., (2016). Financial Counseling and Financial health: Handbook of Consumer Finance Research. Handbook of Consumer Financial Research
- Delgadillo, L., (2015). Financial Counseling and Financial Health: Handbook of Consumer Finance Research, 2nd edition. Springer
- Delgadillo, L., (2015). Consumer Activism Movement in Central America and Panama: An Encyclopedia of Watchdos and Whistle Blowers. ABC-CLIO
- Delgadillo, L., (2015). Consumer Activism: An encyclopedia of Watchdogs and Whistle Blowers: Consumer activism movement in Central American and Panama . ABC-CLIO *
- Delgadillo, L., Jewkes, M., (2012). The Encyclopedia of Housing, Second Edition: Affordability. SAGE Publications
Publications | Book Chapters
An asterisk (*) at the end of a publication indicates that it has not been peer-reviewed.
Publications | Fact Sheets
- Delgadillo, L., H.L, (2005). Bankruptcy Education Fact Sheet: How much income should be devoted to a house payment?.
- Delgadillo, L., H.L, (2005). Bankruptcy Education Fact Sheet: Calculate how much house can you afford?.
- Delgadillo, L., H.L, (2005). Bankruptcy Education Fact Sheet: Are you ready to purchase a home? .
- Delgadillo, L., H.L, (2005). Bankruptcy Education Fact Sheet: Steps involved in purchasing a home. .
- Delgadillo, L., H.L, (2005). Bankruptcy Education Fact Sheet: The elements of a house payment..
- Delgadillo, L., (2005). How to find a reliable contractor. FL/HO-08 revised)
An asterisk (*) at the end of a publication indicates that it has not been peer-reviewed.
Publications | Journal Articles
Academic Journal
- Delgadillo, L., Lance, P., Joe, G., (2016). A case study demonstrating the use of appreciative inquiry in a financial coaching program.. Family and Consumer Sciences Research Journal, 45:2, 166-178.
- Delgadillo, L., (2016). Best practices for collaboration in research. Family and , 45:1, 5-8. doi: DOI: 10.1111/fcsr.12175
- Delgadillo, L., (2016). Identifying the impact of research for tenure and promotion in family and consumer sciences. Family and Consumer Sciences Research Journal, 44:3, 255-263.
- Delgadillo, L., (2016). Pedagogical experience of teaching a financial coaching class. Journal of Financial Therapy, 7:1, 49-64.
- Delgadillo, L., (2015). Using Individual Development Accounts to sustain homeownership and foster financial skills. Journal of Family and Consumer Sciences, 107:3, 17-25.
- Delgadillo, L., S.B, (2015). Financial coaching and financial therapy. Family and Consumer Sciences Research Journal, 44:1, 63-72.
- Delgadillo, L., (2015). Coaching and Financial Counseling Communication Skills: A Comparative Analysis. Family and Consumer Sciences Research Journal, 43:3, 259-268.
- Delgadillo, L., Perry, T., (2014). Coaching components in Individual Development Accounts: Insight and lessons applicable to financial programs. . The Forum for Family and Consumer Issues, 14:2
- Delgadillo, L., Stokes, C., Lown, J.M, (2014). Descriptive Analysis of Reverse Mortgage Counseling Clients. Journal of Financial Counseling and Planning, 25:2, 115-128.
- Delgadillo, L., Allen, J., DeHart, P., (2014). Perceived financial costs and neighborhood efffect of foreclosures by next-door neighbors in USDA rural areas. Housing and Society, 41:2, 177-194.
- Delgadillo, L., (2014). Financial clarity: education, counseling, planning, coaching. Family and Consumer Sciences Research Journal, 43:1, 18-28. doi: DOI: 10.1111/fcsr.12072
- Delgadillo, L., (2014). FCS leadership in financial health. Journal of Family and Consumer Sciences, 106:3, 16-21.
- Aaberg, J., Delgadillo, L., (2013). Realtors' Perspective of First Time Home Buyers . Family and Consumer Sciences Research Journal, 42:1, 14-28.
- Nelson, S., Delgadillo, L., Dew, J.P, (2013). Housing Cost Burden and Marital Satisfaction. Marriage and Family Review, 49:6, 546-561.
- Delgadillo, L., (2012). Mortgage Default and Well-Being: International Encyclopedia of Housing. Elsevier Publishing Ltda, 358-353.
- Delgadillo, L., Nelson, S., Martin, L., (2011). Narrative experiences of USDA section 502 direct loan borrowers.. Housing and Society, 38:2, 143-165.
- Jewkes, M., Delgadillo, L., (2010). Weaknesses of housing affordability indexes used by practitioners. Financial Counseling and Planning, 21:2, 43-52.
- Delgadillo, L., L.R, Christensen, A., Roberts, A., Skogrand, L.M, (2009). Making Learning a Family Affair: Principles for Attracting Latinos to Extension Finance Classes. The Forum for Family and Consumer Issues, 14, 2.
- Delgadillo, L., K.C, (2008). Establishing a link between subprime lending, payday lending and housing costs.. Housing and Society, 34 (2), 119-136.
- Delgadillo, L., E.L, (2008). The need for predatory mortgage education: Expert views. Journal of Extension, 46 (5), n.a..
- Delgadillo, L., G.L, (2007). An analysis of mortgage default clients and mortgage default counseling. Financial Counseling and Planning Journal, 18 (1), 31-39.
- Delgadillo, L., G.L, (2007). Estimating pre-purchase housing counseling and education costs per client.. Journal of Extension, 45 (6)
- Pedersen, C., Delgadillo, L., (2007). Residential mortgage default in low and high minority census tracts.. Family and Consumer Sciences Research Journal, 35 (4), 374-391.
- Delgadillo, L., Erickson, L., (2006). Spatial Analysis of Mortgage Default in a Metropolitan county. Housing and Society, 33:1, 37-46.
- Delgadillo, L., Erickson, u., (2006). An exploration of off-campus student housing satisfaction.. Journal of Family and Consumer Sciences, 98 (4), 9-May.
- Delgadillo, L., G.A, (2006). Borrower and mortgage related factors associated with FHA foreclosures.. Family and Consumer Sciences Research Journal, 34 (3), 204-222.
- Delgadillo, L., Erickson, L., Coster, D.C, (2006). Concentrations of subprime lending activities, equity risk factors, and bankruptcy filings.. Housing and Society, 33 (2), 87-107.
- Delgadillo, L., (2006). Demand-side housing policy in Costa Rica: A response to the housing deficit. International Journal of Consumer Studies, 30 (1), 95-105.
- Delgadillo, L., (2006). Spatial analysis of mortgage default in a metropolitan county. Housing and Society, 33 (1), 33-46.
- Delgadillo, L., Erickson, L., Lown, J.M, (2006). Targeting bankruptcy consumer prevention to vulnerable census tracts.. Forum for Families and Consumer Issues,, 11 (2)
- Delgadillo, L., E.C, (2005). Price of Shelter: housing issues affecting low income, new immigrant Latinos. Housing and Society, 32:1
Professional Journal
- Delgadillo, L., B., (2015). Reliability analysis of the Money Habitutes. Journal of Extension, 53:2
- Delgadillo, L., (2012). Assessment of Consumer Protection and Consumer Empowerment in Costa Rica . Journal of Consumer Policy
- Delgadillo, L., E.L, Piercy, K.W, (2008). Disentangling the differences between abusive and predatory lending: Professionals perspectives.. Journal of Consumer Affairs, 42, 313-334.
- Delgadillo, L., Sorensen, S., Coster, D., (2004). An exploratory study of preparation for future care among older Latinos. Journal of Family and Economic Issues, 25:1, 51-78.
- Delgadillo, L., (2003). Financial profile of first time home buyers in Northern Utah. Housing and Society, 30:1, 86-103.
- Delgadillo, L., (2003). Guidelines for reaching out and counseling low income monolingual Latino clients. Journal of Extension, 41:6
- Delgadillo, L., (2001). A model of factors correlated to homeownership: The case of Utah. Family and Consumer Sciences Research Journal, 30:1, 3-36.
- Hawks, L.K, Williams, L.K, Delgadillo, L., Cann, S., (2000). Community vitality indices: Western states rural comparisons. Housing and Society, 27:1, 33-43.
- Delgadillo, L., Dorwart, J., (1998). Home buyer program assists Hispanic families in Northern Utah. Journal of Family and Consumer Sciences, 90:2, 56-59.
- Junk, V., Fox, L., Delgadillo, L., Anderson, J., Olson, M., (1998). Making the most of home pages: The internet and presentation graphics. T.H.E. Journal, 26:1, 66-68.
An asterisk (*) at the end of a publication indicates that it has not been peer-reviewed.
Publications | MultiMedia
An asterisk (*) at the end of a publication indicates that it has not been peer-reviewed.
Publications | Other
Bulletins
- Delgadillo, L., (2002). Evaluando sus necesidades de vivienda [Assessing Your Housing Needs]. Utah State University Cooperative Extension
- Hawks, L.K, Delgadillo, L., (2002). Home Ownership Fact Sheets: A broker, a realtor…Who are they? (FL/HO-16).. Utah State University Cooperative Extension
- Hawks, L.K, Delgadillo, L., (2002). Home Ownership Fact Sheets: Casas de alquiler [Rental housing] (FL/HO-19S). Utah State University Cooperative Extension
- Hawks, L.K, Delgadillo, L., (2002). Home Ownership Fact Sheets: Cómo encontrar un constructor de confianza [How to find a reliable contractor] (FL-HO-08S).. Utah State University Cooperative Extension
- Hawks, L.K, McCay, T., Delgadillo, L., (2002). Home Ownership Fact Sheets: El costo real de la hipoteca [Real Mortgage Costs] (FL/HO-26S. Utah State University Cooperative Extension
- Hawks, L.K, Delgadillo, L., (2002). Home Ownership Fact Sheets: Inspección de la vivienda [Home Inspection] (FL/HO-10S. Utah State University Cooperative Extension
- Hawks, L.K, Delgadillo, L., (2002). Home Ownership Fact Sheets: Rental housing (FL/HO-19). Utah State University Cooperative Extension
- Hawks, L.K, Delgadillo, L., (2002). Home Ownership Fact Sheets: Su historia de 10 crédito [Your Credit History] (FL/HO-09S).. Utah State University Cooperative Extension
- Hawks, L.K, Delgadillo, L., (2002). Home Ownership Fact Sheets: ¿De qué precio es la casa que usted puede comprar? [How much house can you afford] (FL/HO- 01S. Utah State University Cooperative Extension
Magazine/Trade Publications
- Delgadillo, L., (2008). Latino values and acculturation: What do they have to do with dental care?. The Nugget (Sacramento District Dental Society Magazine)
Newsletter
- Delgadillo, L., (2005). Major appliance selection. Extension Cord Newsletter
- Hawks, L.K, Delgadillo, L., (2004). How much house can you afford? Opening the door to home ownership. Home Ownership Education Study Guide
- Delgadillo, L., (1996). Dirty dozen review. CEI UpDate Newsletter
Other
- Delgadillo, L., Hawks, L.K, McCay, I., (2009). Completando la aplicación para la hipoteca. FL/Homeownership/2009-02S
- Delgadillo, L., Hawks, L.K, (2009). Costos de cierre. FL/Homeownership/2009-07S
- Delgadillo, L., (2009). Closing costs. FL/Homeownership/2009-07. *
- Delgadillo, L., (2009). Completing a Mortgage Loan Application. FL/Homeownership/2009-02. *
- Delgadillo, L., (2009). Making an offer and negotiating the price. FL/Homeownership/2009-24. *
An asterisk (*) at the end of a publication indicates that it has not been peer-reviewed.