Caezilia Loibl

Professor, Department of Human Sciences

Program Area: Consumer Sciences

(614) 292-4226

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PhD, Household and Nutrition Sciences, Technische Universität München, Germany, 2002
MS, Household and Nutrition Sciences, Christian-Albrechts-Universität zu Kiel, Germany, 1998

Research Interests

Research Summary

Caezilia Loibl is interested in the financial decisions of families. She is currently working on aging-related issues, such as an European project aimed at Designing evidence-based communication for elderly consumers in financial distress. Another current, aging-related project addresses Aging in place: Managing the use of reverse mortgages to enable housing stability. A second focus of her work is on the evaluation of public policy. It includes projects such as Testing stragtegies for saving and retention in Individual Development Account Programs and Connecting saving and food security: Evidence from an asset building program for families in poverty. 

Caezilia teaches courses on personal finance in the undergraduate financial planning program and behavioral aspects of consumer financial decision-making in the graduate program. Her research is published in the Journal of Economic Psychology, Journal of Consumer Affairs, Journal of Policy Analysis and Management, International Journal of Consumer Studies, and Journal of Behavioral Finance. She serves as Associate Editor for the Journal of Economic Psychology.

Caezilia further holds an appointment as State Specialist for OSU Extension. She established its housing counseling services, including an AmeriCorps volunteer service, which collaborated with the Ohio Housing Finance Agency's Save the Dream Ohio foreclosure prevention programs. She further provides guidance for county-based financial literacy programs. 

Her research has been awarded funding from federal sources, such as the U.S. Poverty Center, University of Kentucky Center for Poverty Research, U.S. Department of Housing and Urban Development, U.S. Social Security Administration, and U.S. Department of Agriculture. International funding includes recently a Marie Curie Fellowship of the European Commission's Research Executive Agency. Foundations, such as the John D. and Catherine T. MacArthur Foundation, Annie E. Casey Foundation, William and Flora Hewlett Foundation, and FINRA Investor Education Foundation have also funded her research.


Associate Professor, Department of Human Sciences, The Ohio State University, Columbus, Ohio (2005-present)
Regional Extension Specialist, University of Missouri Extension, University of Missouri, Ironton, Missouri (2003-2005)
Postdoctoral Researcher, Department of Human Development and Family Studies, Iowa State University, Ames, Iowa (2002-2003)
Research Associate, Lehrstuhl für Wirtschaftslehre des Haushalts, Technische Universität München, Weihenstephan, Germany (1998-2002)

Selected Publications

Jones, Lauren E., Cäzilia Loibl, and Sharon Tennyson. 2015. Effects of informational nudges on consumer debt repayment behaviors. Journal of Economic Psychology, Vol. 51, p. 16-33.

Moulton, Stephanie, Michael Collins, Cäzilia Loibl, and Anya Samak. 2015. Effects of Monitoring on Mortgage Delinquency: Evidence from a Randomized Field Study. Journal of Policy Analysis and Management, Vol. 34, no. 1: 184-207.

Soo Hyun Cho, Cäzilia Loibl, Loren V. Geistfeld and Curt Haugtvedt. 2014. Motivation for emergency and retirement saving: an examination of Regulatory Focus Theory, International Journal of Consumer Studies, Vol. 38, no. 6: 701-711.

Silvester, Danielle, Cäzilia Loibl, and Jutta Roosen. 2014. Costs, culture, and life decisions: Analyzing the factors that influence enrollment into master's level education, International Journal of Consumer Studies. Vol. 38, no. 3: 307-315.

Moulton, Stephanie, Cäzilia Loibl, Anya Samak and Michael Collins. 2013. Borrowing capacity and financial decisions of first-time homebuyers, with Stephanie Moulton, Journal of Consumer Affairs. Vol. 47, no. 3: 375-403.