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Cindy Stokes

Cindy Stokes, MS

Lecturer, AFC©, CHC©

Curriculum Vitae


Cindy Stokes is a lecturer in the Department of Human Development and Family Studies at Utah State University. She believes, “academic training in family science is only part of what is needed to achieve success and career advancement. Success is also greatly determined by skills” (NCFR, 2016). Her teaching focuses on the development of skills. She does this in three main ways: practical application of course content, critical thinking activities and assignments, and kinesthetic (also called active) learning. She also teaches webinars and review sessions for the AFCPE. She loves spending time and having adventures with her husband, children, and grandchildren.


  • MS in Human Development and Family Studies, Utah State University, 2010
  • BS in Family and Consumer Science, Utah State University, 2003, Summa Cum Laude
  • AS in General Studies, Weber State University, 1979, with High Honors


  • Accredited Financial Counselor (AFC®), 2012-current, AFCPE
  • Certified Housing Counselor (CHC®), 2012-current, AFCPE
  • Approved Reverse Mortgage Counselor, (HUD), 2012 - inactive
  • Certification in Financial Capability (NCHEC), 2016-current, Neighbor Works
  • Certification in Foreclosure (NCHEC), 2012-current, Neighbor Works
  • Certification in Homeownership Counseling for Program Managers, 2012-current, Neighbor Works
  • Certification in Pre-Purchase Homeownership Education, 2011-current, Neighbor Works
  • Certification in Post-Purchase Homeownership Education, 2009-current, Neighbor Works
  • Certification in Housing Counseling, 2009-current, Neighbor Works

Research Interests

  • Housing Finance/Reverse Mortgages
  • Financial Education/Active Learning
  • Financial Behavior Change
  • Financial Capability/Counseling/Coaching