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Dr. Soo Hyun Cho

Academic Area
Consumer Affairs


  • Ph.D. in Family Resource Management (2009), the Ohio State University, Columbus, OH
  • M.S. in Family Resource Management (2005), Korea University, Seoul, Korea
  • B.S. in Home Economics Education (2003), Korea University, Seoul, Korea

Research Interests

  • Family Economic Well-Being
  • Financial Socialization
  • Goals and Motivation
  • Behavioral Economics
  • Cross-Cultural Comparison of Financial Knowledge and Behavior


  1. Mountain, T. P., Kim, N., Gutter, M. S., Kiss, D. E., Cho, S. H., and Johnson, C. L. (2019). An exploration of gender bias, framing, and student loan decisions through an experimental design. Journal of Family and Economic Issues, 1-14. doi: 10.1007/s10834-019-09640-4
  2. Johnson, C. L., Gutter, M. S., Xu, Y., Cho, S. H., & DeVaney, S. (2016). Perceived value of college as an investment in human and social capital: Views of Generations X and Y. Family and Consumer Sciences Research Journal, 45(2), 193-207.
  3. Cho, S. H., Mountain, T. P., Porto, N., Kiss, D. E., Gutter, M., & Griesdorn, T. (2016). Experimental design to understand the student loan decision: A methodological note. Family and Consumer Sciences Research Journal, 45(1), 65-76.
  4. Cho, S. H., Xu, Y., and Kiss, D. E. (2015). Understanding student loan decisions: A literature review. Family and Consumer Sciences Research Journal, 43(3), 229-243. doi: 10.1111/fcsr.12099
  5. Cho, S. H., Chang, K.-L., Yeo, J., Saboe-Wounded Head, L., Zastrow, M., Zdorovtsov, C., Skjonsberg, L., and Stluka, S. (2015). Comparison of fruit and vegetable consumption among Native and non-Native American populations in rural communities. International Journal of Consumer Studies, 39(1), 67-73. doi: 10.1111/ijcs.12153
  6. Cho, S. H., Loibl, C., Geistfeld, L. V., and Haugtvedt, C. (2014). Motivation for emergency and retirement saving: An examination of Regulatory Focus Theory. International Journal of Consumer Studies, 38(6), 701-711.
  7. Griesdorn, T. S., Lown, J. M., DeVaney, S., Cho, S-H., & Evans, D. A. (2014). Association between behavioral life-cycle constructs and risk tolerance of low-to-moderate-income households. Journal of Financial Counseling and Planning, 25(1), 27-39.
  8. Cho, S. H., Yeo, J., and Saboe-Wounded Head, L. (2013). Role of knowledge and risk tolerance in young adults’ financial planning behavior. Consumer Policy and Education Review, 9(3), 1-19.
  9. Park, S., Yoon, H. J., Cho, S. H., and Haugtvedt, C. P. (2013). Assessing the provision of nutritional information on quick service restaurant menu item choices for college students. Journal of Foodservice Business Research, 16(4), 329-346.
  10. Gutter, M., Hayhoe, C. R., DeVaney, S. A., Kim, J., Bowen, C., Cheang, M., Cho, S. H., Evans, D., Gorham, E., Lown, J., Mauldin, T., Worthy, S., and R. Dorman. (2012). Exploring the relationship of economic, sociological, and psychological factors to the savings behavior of low- to moderate-income households. Family and Consumer Sciences Research Journal, 41(1), 86-102.
  11. Hayhoe, C., Cho, S. H., DeVaney, S., Worthy, S., Kim, J., and Gorham, E. (2012). How do distrust and anxiety affect savings behavior? Family and Consumer Sciences Research Journal, 41(1), 69-85.
  12. Park, S., Cho, S. H., and Yoon, H. J. (2012). The Relationship between Future Orientation, Regulatory Focus, and Need for Cognition and Healthy Menu Choices. International Journal of Human Ecology, 13(1), 171-181.
  13. Kim, J., Chatterjee, S. and Cho, S. H. (2012). Asset ownership of new Asian immigrants in the United States. Journal of Family and Economic Issues, 33(2), 215-226.
  14. Cho, S. H., Kim, J., Mauldin, T., and Gutter, M. (2012). Effect of socialization and financial information source on financial management behavior among low- and moderate-income adults. Family and Consumer Sciences Research Journal, 40(4), 417-430.
  15. Morrison, K., Saboe-Wounded Head, L., and Cho, S. H. (2012). Undergraduate consumer affairs program needs: Employers’ perspectives. Journal of Family & Consumer Sciences, 104(1), 29-33.
  16. Loibl, C., Cho, S. H., Diekmann, F., and Batte, M. (2009). Consumer self-confidence in searching for information. Journal of Consumer Affairs, 43 (1), 26-55.

Accomplishments and Awards

  • Outstanding Paper Award, Articles published in 2016 in the Family & Consumer Sciences Research Journal (2017), American Association of Family & Consumer Sciences
  • Outstanding Advisor in the SDSU Student Organization Award (2017), South Dakota State University
  • Outstanding Professional in Research Award (2017), South Dakota Association of Family & Consumer Sciences
  • Best Paper Award in Personal Finance (2016), Articles published in 2015 in the Family & Consumer Sciences Research Journal, American Association of Family & Consumer Sciences
  • Distinguished Researcher Award (2013), College of Education and Human Sciences, SDSU