“…The above conclusion emerges in part from research endeavors conduced primarily outside the family and consumer sciences profession. For example, even though help-seeking behavior research within the domain of personal finance is limited, much is already known about the care-seeking and use behavior of patients with mental disorders (Rhi, Ha, & Kim, 1995) and those who seek and use help for depression, alcoholism, gambling addiction, weight disorders, drug addiction, AIDS, cancer, diabetes, delinquency, emotional distress, and forms of chronic disability (e.g., Corney, 1990;Good & Wood, 1995;Phillips & Murrell, 1994;Preston, 1996;Riessman & Carroll, 1995;Wood, Cochran, & Pfefferbaum, 1995). Findings from these nonpersonal finance help-seeking studies suggest that individual demographic and socioeconomic characteristics, psychological, and related behaviors tend to have the most direct influence on help-seeking behavior (Auslander & Litwin, 1990;Kaskutas et al, 1996;Nickerson, Helms, & Terrell, 1994;Phillips & Murrell, 1994;Preston, 1996;Rhi et al, 1995;Shek, 1992).…”