Cristine Marie Baltonado

Contact: bal****************@gmail.com Unverified

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Publications

Level of Financial Literacy and Debt Management: Basis for Personal Financial Management Program

Psychology and Education: A Multidisciplinary Journal 2025 41(2) 206-215

Authors: Winona Caryl Carvajal , Cristine Marie Baltonado , Mary Gil Gocela , Laurence Jay Pajes , April Joy Soliman , Hardy Bankas , Cliff Kirl Lubon , Marilou Albano

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