Ph.D. in Family Resource
Management (June 2003) The Ohio State University, Columbus, OH
Master of Applied Statistics
(June 2001) The Ohio State University,
Senior Risk Analyst, National
City Bank, Cleveland, Ohio.
Publication and Proceedings:
(2003). Household debt service burden: An exploration on the effect of
constraints. Unpublished dissertation. The Ohio State University.
Zhao, J., Montalto, C. P.,
& Hanna, S. D. (2001). Which households meet the household debt
burden guidelines? Proceedings of the Academy of Financial Services,
Zhao, J. & Widdows, R.
(2001). Attitude towards Biotechnology and its Products in a sample of
Consumer Interests Annual, 47.
Zhao, J. & Sanik, M. M. (2001).
What Consumers Gain in Television Shopping Programs: An Informational
on TV Shopping, Family Relations & Human Development/ Family
& Resource Management Biennial, Volume 4, 170-177.
Zhao, J. (2000). Factorial
Effects of Channel and Product on Types of Information Consumers are
in Television shopping. Poster exhibition in OARDC Annual Conference,
2000, Wooster, OH.
Membership and Honor
American Council on Consumer
American Association of Family
and Consumer Sciences
Ford Travel Grant ($1,000)
to student paper in 2001 ACCI annual conference, Washington, DC
September 1998 to September
Mainly working with OSU extension,
designed Access database for National Welfare Reform Research Project
assisted interviews with Ohio welfare recipients, analyzed qualitative
quantitative data on Welfare Reform Protocol, Body image and State Food