Michael Gawrys

College of Family and Consumer Sciences

Financial Planning, Housing and Consumer Economics

Ph.D. Student, Graduate Assistant


Degree Field of Study Institution Graduation
Bachelor of Business Administration (BBA) Finance St. Bonaventure University 2008
Master of Business Administration (MBA) Business Administration University at Buffalo 2012


My research seeks to explore the financial circumstances tied to alternative housing arrangements. It is through this research that I wish to focus my attention on the household unit; empowering these agents to challenge normative housing behaviors. I strive to gain an understanding of what defines housing norms, how housing-related decisions are made, and what can be done to mitigate the impact of housing on overall financial distress.


FHCE 2100 - Introduction to Consumer Economics (Fall/Spring 2020-21)

FHCE 4400E - Family Demographics and Policy (Fall 2021)

FHCE 5360S - Topics in Sustainable Housing (Spring 2022)


Discovering Money Solutions Coach for Project FREE (Fostering Relationships & Economic Enrichment). Funding was provided by the United States Department of Health and Human Services, Administration for Children and Families.

Areas of Expertise

Housing Management and Policy

Residential Mortgage and Consumer Lending

Consumer Economics

Prior Professional Positions

Organization / Department Title Years of Service
M&T Bank / Finance Financial Analyst 2008 - 2013
M&T Bank / Consumer Lending Product Manager 2013 - 2015
Radford University / Budget Budget Coordinator of Forecasting and Operations 2015 - 2019

Journal Articles

Gawrys, M. R., & Carswell, A. T. (2020). Exploring the cost burden of rural rental housing. Journal of Rural Studies, 80, 372-379. https://doi.org/10.1016/j.jrurstud.2020.10.013

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