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Benard, Tara Siegel. "Working Financial Literacy in with the Three R's." The New York Times. The New York Times, 9 Apr. 2010. Web. 3 Nov. 2010. This article discuses the importance of having a financial background. There is a lot of discussion about having mandatory class at the high school level, which will help students with their finances. It will also help students become more aware of what it involved in creating a budget. There is a lot of discussion on how personal finance should be taught.

The investigation by the attorney general appears to be focused on the adequacy of disclosure of policy terms and costs to students.

Scotch, Allison. "Cash-Flow Control." Financiallit.org. Institute for Financial Literacy, 15 July 2005. Web. 3 Nov. 2010. Website with several articles regarding topic. The article for this topic is entitled: "Cash-Flow Control." This can easily be found by going to the URL above and clicking on research and articles. It is the third of four articles. The article that I have chosen to use regards how to spend your money wisely. In short, the article's main purpose is to show people smart spending habits, and how to save yourself from unnecessary purchases. It is the author's goal in this article to show the reader to shop and buy smarter. Many ideas are given to save money. First, the author, Allison Scotch, says to not be fooled by sales. We should also avoid spending too much on our pets, over-shopping at the market, paying late fees, overpaying taxes, being careless with loose change, and eating out for dinner. All of these categories, when managed wisely will reduce your fees and leave you with more money in your pocket.

Adnett, Nick. "The growth of international students and economic development: friends or foes?" Journal of Education Policy; Sep2010, Vol. 25 Issue 5, p625-637, 13p This article looks at the topic of international student education and its cost/benefits to the students, thier country of origin as well as to the host country. It tries to support the notion that most times these international students are coming from poorer countries and as such the influx of resources, both financial and intellectual is escaping those country's into the host country.

Sherry, Mark. "International students: a vulnerable student population." Higher Education 60.1 (2010), 33-46. This study is about International students at the University of Toledo, they represent 10% of the total number of students (16,000 students). the university made an online survey for international students, because the university wanted help them overcome those barriers and make them feel home. this study cover a lot of issues that student face everyday English language problems, financial and readjustment with the campus life and the whole academic life. it also gives us an idea about how the university helped them with those problem and guided them through the process.

Charles, Harvey, and Mac A. Stewart. "Academic Advising of International Students." Journal of Multicultural Counseling & Development 19.4 (1991): 173-181. Academic Search Complete. EBSCO. Web. 18 Nov. 2010. The article discusses the importance of academic advising for international students. how can the adviser help international students to make plans for their education and at the same time help them adapt with the campus life and overcoming homesickness, language difficulty, discrimination, financial problems and depression and guide them to success