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Recent research on organizational citizenship behaviors (OCBs) has suggested that:
Willful Or Malicious Conduct
Behavior done intentionally or with reckless disregard to the rights and safety of others, often resulting in harm or damage.
Non-dischargeable Debts
Debts that cannot be eliminated through bankruptcy, including most taxes, student loans, alimony, and child support.
Student Loans
Borrowed money that is used to pay for educational expenses and must be repaid with interest.
Means Test
A method used to determine an individual's eligibility for certain types of financial aid or social services, based on their income and assets.
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