Skip to main content

Lucy Delgadillo

Profile Picture

Family and Consumer Sciences Education

Consumer Sciences/Family Finance and Financial Literacy

Professor

Contact Information

Office Hours: By appointment
Office Location: Family Life 308A
DialPhone: 435-797-7204
SendEmail: lucy.delgadillo@usu.edu


Educational Background

Other, Personal and Life Coachg, (Financial coaching), Center for Coaching Certification, 2014
Other, Life Coaching, Center for Coaching Certification, 2014
PhD, Family Life, (Consumer Sciences-Housing), Utah State University, 1999
A model of factors correlated to homeownership: the case of Utah
MS, Political Sciences, (Politial communication), Utah State University, 1995
The 1994 Presidential Campaing in Costa Rica compared to USA campaigns: an emotional approach
BA, Communications, (Journalism), University of Costa Rica, 1993
N/A
MA, Public Relations/Organizational Communication, University of Costa Rica, 1993
ABD
BA, Mass Communications, (General Broadcasting and Sociology), Murray State University, 1991
N/A


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. She has a Masters degree in Political Sciences and a Masters in Communicational Organization (ABD). Her undergraduate work includes two Bachelors degrees, one in Communications from University of Costa Rica and another in Broadcasting and Sociology from Murray State University in Kentucky, where she was the recipient of a Fulbright Scholarship for Undergraduate Central American Students, granted in her native country of origin, Costa Rica, by the U.S. Embassy.


Teaching Interests

My teaching philosophy: I see teaching as a service I provide to my students. I see the classroom as 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 education, home ownership and financial well being of first time-low income home buyers, first time homebuyers counseling and educational programs, and mortgage finance.

Awards

Board of Trustees Member, 2013

Utah Housing Corporation

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

Publications - Books & Book Chapters

    Book Chapters

  • 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., Carswell, A., (2012). The Encyclopedia of Housing, Second Edition: Affordability. SAGE Publications

* Has not been peer reviewed

Publications - Curriculum

    * 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, xx-xx.
    • Delgadillo, L., (2016). Pedagogical experience of teaching a financial coaching class. Journal of Financial Therapy, 7:1, 49-64.
    • Delgadillo, L., McGregor, S., (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, Devaney, S., (2015). Financial coaching and financial therapy. Family and Consumer Sciences Research Journal, 44:1, 63-72.
    • Delgadillo, L., Bushman, B., (2015). Reliability Analysis of money habitudes. Journal of Extension, 53:2
    • 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, Xiao, J.J, (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., Devaney, S., (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
    • Delgadillo, L., Mathious, A., (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.

    * Has not been peer reviewed

    Publications - Literary Journal

      * Has not been peer reviewed

      Publications - MultiMedia

        * Has not been peer reviewed

        Publications - Technical Reports

          * Has not been peer reviewed

          Publications - Translations & Transcripts

            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 Publication

            • 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. *

            * Has not been peer reviewed

            Scheduled Teaching

            FCHD 6045 - Family Finance for Practitioners, Spring 2018

            FCHD 7045 - FCHD 7045, Spring 2018

            FCHD 5340 - Housing Finance and Regulations, Spring 2018

            FCHD 4350 - Advanced Family Finance, Fall 2017

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2017

            FCHD 4350 - Advanced Family Finance, Fall 2016

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2016

            FCHD 7045 - FCHD 7045, Spring 2016

            FCHD 5340 - Housing Finance and Regulations, Spring 2016

            FCHD 5350 - Financial Coaching, Fall 2015

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2015

            FCHD 5340 - Housing Finance and Regulations, Spring 2015

            FCHD 6910,7910 - Parenting, Spring 2015

            FCHD 5550 - Financial Coaching, Fall 2014

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2014

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2014

            FCHD 6045 - Family Finance for Practitioners, Spring 2014

            FCHD 7045 - FCHD 7045, Spring 2014

            FCHD 5340 - Housing Finance and Regulations, Spring 2014

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2013

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2013

            FCHD 5340 - Housing Finance and Regulations, Spring 2013

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2012

            FCHD 6910,7910 - Parenting, Fall 2012

            FCHD 6960 - Readings and Conference, 2012

            FCHD 5340 - Housing Finance and Regulations, Spring 2012

            FCHD 6420 - Housing Policy and Issues, Fall 2011

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2011

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2011

            FCHD 6420 - Seminar: Housing Policy, 2011

            FCHD 7420 - Seminar: Housing Policy, 2011

            FCHD 3310 - CONSUMER POLICY, Spring 2011

            FCHD 5340 - HOUSING FINANCE/REGS, Spring 2011

            FCHD 3340 - HOUSING: SOC/ENV ISS, Spring 2011

            FCHD 3340 - HOUSING: SOC/ENV ISS, Spring 2011

            FCHD 3340 - HOUSING: SOC/ENV ISS, Spring 2011

            FCHD 3340 - HOUSING: SOC/ENV ISS, Spring 2011

            FCHD 3340 - HOUSING: SOC/ENV ISS, Spring 2011

            FCHD 3340 - HOUSING: SOC/ENV ISS, Spring 2011

            FCHD 3340 - HOUSING: SOC/ENV ISS, Spring 2011

            FCHD 6050 - Consumer Science Theories, Fall 2010

            FCHD 6050 - Consumer Theories, Fall 2010

            FCHD 3340 - Housing Societal and Environmenal Issues, Fall 2010

            3340 - Housing Societal and Environmental Issues, Fall 2010

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2010

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2010

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2010

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2010

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2010

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2010

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2010

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2010

            FCHD 3340 - Housing: Societal and Environmental Issues, Fall 2010

            FCHD 6910 - Parenting, Fall 2010

            FCHD 7910 - Parenting, Fall 2010

            FCHD 6910 - Parenting Topical Seminar, Fall 2010

            FCHD 6400 - Seminar: Housing Problems and Issues, 2008

            FCHD 7400 - Seminar: Housing Problems and Issues, 2008

            FCHD 4250 - Advanced Internship, Fall 2003

            FCHD 4910 - Creative Projects/Independent Studies, 2001

            HENV 2280 - Family Economics: Role, Gender and Work, 2001

            HENV 3320 - Management and Decision Making, 1999

            PSY 380 - Introduction to Education and Psychology Statistic (Tutor sessions), 1996

            PS 204 - Comparative Politics (Political Sciences Dept; 1995), 1995

            SPA 104 - Intensive Spanish (Lab session; Language and Philosophy), 1995


            Graduate Students Mentored

            Travis Perry, Family, Consumer, & Human Development, September 2013 - August 2014
            Lindsay Cady, Family, Consumer, & Human Development, August 2012 2013
            Jordan Aaberg, Family, Consumer, & Human Development, July 2011 - May 2012
            Lucas Martin, Family, Consumer, & Human Development, July 2007 - May 2012
            Samantha Nelson, Family, Consumer, & Human Development, February 2010 - May 2011
            Jessica Johnson, Family, Consumer, & Human Development, March 2008 - May 2010
            Cindy Stokes, Family, Consumer, & Human DevelopmentApril 2010
            Jessica Johnson, Family, Consumer, & Human Development, January 2007 - December 2009
            Leslie Green, Family, Consumer, & Human DevelopmentMay 2008
            Melanie Jewkes, Family, Consumer, & Human Development - May 2008
            Camille Pedersen, Family, Consumer, & Human Development - May 2006
            Luke Erickson, Family, Consumer, & Human Development - May 2006
            Amber Gallagher, Family, Consumer, & Human Development - May 2004