Research Publications

Peer Reviewed Journal Articles

  1. Financial Education and Coaching; A Lifestyle Medicine Approach to Addressing Financial Stress

  2. White ND, Packard K, Kalkowski J, et al. Improving health through action on economic stability: results of the Finances First randomized controlled trial of financial education and coaching in single mothers of low-income. American Journal of Lifestyle Medicine. 2022;0(0).

  3. Galvin, D, Kalkowski, J. “A Researcher–Practitioner Collaboration to Enable Replication of an Evidence-Based Financial Education and Coaching Program That Improves Health in Low-Income Single Mothers” Health Promotion Practice, 2022, 24(2).

  4. White ND, Packard KA, Kalkowski JC, Ryan-Haddad AM, Black LL, Flecky KA, Furze JA, Rusch LM, Qi Y. Two year durability of the effect of a financial educational program on the health of single, low-income women. Journal of Financial Counseling and Planning 2018;29(1):68-74.

  5. Packard KA, Kalkowski JC, White ND, Ryan-Haddad AM, Black LL, Flecky KA, Furze JA, Rusch LM, Qi Y. Effect of a financial education program o the health of single, low-income women and their children. International Public Health Journal. 2015;7(1):37-54.

  6. White ND, Packard K, Kalkowski J, Ryan-Haddad A, et al. A novel financial education program in single women of low-income and their children. International Public Health Journal. 2015;7(1):49-55.

  7. Prawitz, A., Kalkowski, J:  Responses to Economic Pressure by Low-Income  Families: Financial Distress and Hopefulness (Journal of Family and Economic Issues, February 2012.)

  8. Fuji, White, Packard, Kalkowski and Walters Effect of a Financial Education and Coaching Program for Low-Income, Single Mother Households on Child Health Outcomes

Peer Reviewed Book Chapters

  1. Packard KA, Kalkowski JC, White ND, Ryan-Haddad AM, Black LL, Flecky KA, Furze JA, Rusch LM, Qi Y. A financial education program and health of single, low-income women and their children. In Caron RM, ed. Public Health: Improving health via inter-professional collaborations. New York: Nova Science. 2014:49-62.  

  2. White ND, Packard KA, Kalkowski JC, Ryan-Haddad AM, Black LL, Flecky KA, Furze JA, Rusch LM, Qi Y. Education program for single women of low-income and their children. In Caron RM, ed. Public Health: Improving health via inter-professional collaborations. New York: Nova Science. 2014:63-72. 

Non Peer Reviewed Journal Articles

White ND, Packard K, Kalkowski J, Bradley T. Building hopefulness through financial education and coaching. American Journal of Lifestyle Medicine. 2021;15(1):19-22.

White ND, Packard K, Kalkowski, J. Financial education and coaching: a lifestyle medicine approach to addressing financial stress. American Journal of Lifestyle Medicine. 2019;13(6):540-543.

Prawitz, A., Kalkowski, J: Responses to Economic Pressure by Low-Income Families: Financial Distress and Hopefulness. Journal of Family and Economic Issues. February 2012

Oral Presentations

Fuji KT, White N, Packard K, Furze J, Kalkowski J, Walters R, Black L, Flecky K, Peterson J, Rusch L, Ryan Haddad A. Effect of a Financial Education and Coaching Program for Low-Income, Single Mother Households on Child Health Outcomes. Academy Health Annual Research Meeting. Washington, DC, June 5, 2022.

White ND, Packard K, Kalkowski J. Improving health through action on economic stability: Results from a randomized-controlled trial of financial education and coaching in low-income single-mothers. Invited presentation at the American College of Public Health’s Annual Meeting. Denver, CO. October 24-27, 2021.

Packard K, White ND, Kalkowski J, et al. Effect of Financial education on single mothers’ resilience. Invited presentation at the 14th Annual Health Disparities Conference. Virtual Conference. April 8, 2021.

Abstracts and Poster Presentations

Packard K, White N, Kalkowski J, Galvin D, Walters R, Fuji KT, Flecky K, Black L, Furze J, Peterson J, Rusch L, Ryan Haddad A. Impact of a Financial Education and Coaching Intervention on Economic Stability in Low Income, Single Mother Families. AcademyHealth Annual Research Meeting. Washington, DC, June 5, 2022.

Ramirez S, Williams E, Schwartz J, Fuji K, White N. Can financial wellbeing be improved in low-income patients without increasing salary? Findings from a financial education and coaching intervention. ASHP Midyear Meeting. Las Vegas, NV, December 5, 2022.

White N, Packard K, Kalkowski J, Fuji KT, Black L, Flecky K, Peterson J, Rusch L, Ryan Haddad A, Walters R. Evaluation of a Financial Education and Coaching Intervention on the Resilience of Single Mothers of Low-Income during the COVID-19 Pandemic. Academy Health Annual Research Meeting. Washington, DC, June 5, 2022.

White ND, Packard K, Kalkowski J. Improving health through action on economic stability: Results from a randomized-controlled trial of financial education and coaching in low-income single-mothers. Invited presentation at the American College of Public Health’s Annual Meeting. Denver, CO. October 24-27, 2021.

Packard K, White ND, Kalkowski J, et al. Effect of Financial education on single mothers’ resilience. Invited presentation at the 14th Annual Health Disparities Conference. Virtual Conference. April 8, 2021. White ND, Packard K, Kalkowski J. Reducing stress through financial education and coaching in single mothers of low-income. Poster, American College of Lifestyle Medicine. Orlando, FL. October 30, 2019.

Packard KA, Ryan-Haddad A, White N, Kalkowski J, Furze J, Flecky K, Rusch L, Black L. A novel financial education program in single women of low-income and their children. Poster, All Together Better Health VII International Conference. Pittsburgh, Pennsylvania, June 8, 2014.

Kalkowski J, White N, Packard K, et al. Promoting health and strengthening communities through financial education. Poster, All Things Ignatian Symposium, Creighton University, Omaha, NE, February 2014.

Kalkowski J, Packard K, Gillespie N, et al. Impact of Financial Success Education Program on Quality of Life and Health in Single, Low-Income Mothers. Poster, Women’s Health 2013: The 21st Annual Congress. Washington, DC, March 2013.

Gillespie ND, Packard K, Kalkowski J, et al. Cardiovascular risk factors of women and children in an urban financial education program. Poster, ACPM Preventive Medicine meeting, Orlando, FL, February 2012.