Caezilia Loibl

Headshot of 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

As a professor of consumer sciences and state extension specialist, Dr. Loibl’s research aims to better understand how individuals and families make financial decisions, how behavioral biases can affect the quality of financial decisions, and to design interventions that are effective in facilitating financial decision-making. Her work aims to be relevant to community-based financial education programs and financial-literacy advocacy while also making a significant academic contribution to the different fields that study financial literacy and decision-making. Her current research program examines the relationship of wealth and health outcomes. In a series of studies funded by the Social Security Administration and the USDA Food and Nutrition Service, she and her team used the Health and Retirement Study to document that access to household assets, such as home equity, can be linked to lower food insecurity, the ability to afford medication, and better management of chronic diseases. The access to the Ohio Consumer Credit Panel at Ohio State adds the significant benefits of analyzing administrative data about credit and debt. Her research is published in the Journal of Economic Psychology, Journal of Consumer Affairs, Journal of Policy Analysis and Management, Social Science and Medicine and the Journals of Gerontology. She serves as Associate Editor for the Journal of Economic Psychology. Dr. Loibl is a member of the scientific committee of the German Socio-Economic Panel at the German Institute for Economic Research in Berlin.
Dr. Loibl holds an appointment as State Specialist for OSU Extension. She established the OSU Extension Housing Counseling Services, a HUD approved agency, and leads the collaboration with the Ohio Housing Finance Agency's Homebuyer Education program. She further provides guidance for county-based financial literacy programs. 
Dr. Loibl is the CFP® Program Director at Ohio State, leading the Certified Financial PlannerTM coursework and teaching CFP Board approved courses.


2022-Present Program Chair, Department of Human Sciences, The Ohio State University
2020-Present Professor, College of Education and Human Ecology, The Ohio State University
2021-Present Faculty Affiliate, CETE, The Ohio State University
2018-Present Program Director, Certified Financial Planner™ track, The Ohio State University
2016-Present Senior Research Fellow, Leeds University Business School, U.K.
2015-Present Researcher, Ohio Agricultural Research and Development Center, The Ohio State University
2014-2015 Marie Curie Fellow, European Commission, Research Executive Agency
2012-Present Faculty Affiliate, Center for Financial Security, University of Wisconsin-Madison
2010-Present Director, OSU Extension Housing Counseling Services, The Ohio State University

Selected Publications

Loibl, Cäzilia, Madeleine Drost, Martijn Huisman, Bianca Suanet, Wandi Bruine de Bruin, Simon McNair, and Barbara Summers. 2022. Worry about debt is related to social loneliness in older adults in the Netherlands. Ageing and Society, Volume 42, Issue 12, p. 2869-2891 DOI: 10.1017/S0144686X21000325 
Moulton, Stephanie, Alec Rhodes, Donald Haurin, Loibl, Cäzilia. 2022. Managing the onset of a new disease in older age: Housing wealth, mortgage borrowing, and medication adherence. Social Science and Medicine, Volume 314, Issue: December, Article number 115437, DOI: 10.1016/j.socscimed.2022.115437; CFP Board's ACCI Financial Planning Paper Award
Loibl, Cäzilia, Alec Rhodes, Stephanie Moulton, Donald Haurin, and Chrisse Edmunds1. 2021. Food insecurity among older adults in the U.S.: The role of mortgage borrowing. Applied Economic Perspectives and Policy, Volume 44, Issue 2, p. 549-574, DOI: 10.1002/aepp.13219  "Featured Article"

Loibl, Cäzilia, Wändi Bruine de Bruin, Barbara Summers, Simon McNair, and Pieter Verhallen. 2022. Which financial stressors are linked to food insecurity among older adults in the United Kingdom, Germany, and the Netherlands? Food Security, Volume 14, Issue 2, p. 533-556, DOI: 10.1007/s12571-021-01206-3
Moulton, Stephanie, J. Michael Collins, Cäzilia Loibl, Donald Haurin, and Julia Brown1. 2022. Property tax compliance and reverse mortgages: Using nudges to improve the market. National Tax Journal, Volume 75, Issue 1, p. 33-59, DOI: 10.1086/717160