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<!DOCTYPE html><html><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width"/><link rel="canonical" href=""/><title>Chaiken Scholar empowers peers through financial literacy | Penn State University</title><meta name="title" content="Chaiken Scholar empowers peers through financial literacy | Penn State University" data-testid="title"/><meta name="description" content="Nick Hotalen is dedicated to making financial literacy accessible to his peers through his roles as a Chaiken Scholar and Sokolov-Miller Family Financial and Life Skills Center ambassador." data-testid="description"/><meta name="abstract" content="Nick Hotalen is dedicated to making financial literacy accessible to his peers through his roles as a Chaiken Scholar and Sokolov-Miller Family Financial and Life Skills Center ambassador." data-testid="abstract"/><meta name="robots" content="noodp, noydir" data-testid="robots"/><meta property="og:type" content="article" data-testid="og:type"/><meta 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Scholar empowers peers through financial literacy</h1></div><figure itemscope="" itemType="http://schema.org/ImageObject" class="article-hero-image_articleHeroImage__lVCi1" data-testid="article-hero-image"><button class="article-hero-image_imageButton__iJzX_"><img itemProp="contentUrl" class="image_image__VjCRd" loading="lazy" src="https://psu-gatsby-files-prod.s3.amazonaws.com/s3fs-public/2025/02/hotalen_nick-1.jpg" srcSet="" sizes="(min-width: 1080px) 1092px, 95vw" alt="Nick Hotalen wears a Penn State polo while standing in front of a brown wall." data-testid="image" id="article-image-click"/></button><figcaption id="caption" class="caption_caption__NUVUU article-hero-image_caption__M94xx" data-testid="caption"><div class="caption_wrapper__TvVG_"><div class="caption_captionContentWrapper__DBIP0 caption-background"><div class="caption_captionContent__ooqwN"><p><span>Nick Hotalen will participate in an actuarial internship with SageSure, a property insurance company based in Cheshire, Connecticut, this summer.</span> <span class="caption_captionCredit___hoK5" data-testid="credit">Credit: Kate Kenealy. All Rights Reserved.</span></p></div></div><button id="article-caption-expand">Expand</button></div></figcaption></figure><div class="article-top-social-share_outer__tYbND"><div class="article-top-social-share_inner__hHyrG"><div class="article-top-social-share_articleTopGrid__uFbzB"><p class="article-top-social-share_publishDate__TX0Gj">February 18, 2025</p><p class="article-top-social-share_authorName__Ob6EX">By Vama Maniar</p><div data-testid="addthis-widget" class="article-top-social-share_socialShare__GyAms"><div class="article-top-social-share_content__OYcDe article-top-social-share_inline__kSd0u"><button id="main-facebook" aria-label="facebook" class="react-share__ShareButton article-top-social-share_socialButton__Wi8LM article-top-social-share_inline__kSd0u" style="background-color:transparent;border:none;padding:0;font:inherit;color:inherit;cursor:pointer"><svg viewBox="0 0 64 64" width="64" height="64"><rect width="64" height="64" rx="0" ry="0" fill="#3b5998"></rect><path d="M34.1,47V33.3h4.6l0.7-5.3h-5.3v-3.4c0-1.5,0.4-2.6,2.6-2.6l2.8,0v-4.8c-0.5-0.1-2.2-0.2-4.1-0.2 c-4.1,0-6.9,2.5-6.9,7V28H24v5.3h4.6V47H34.1z" fill="white"></path></svg></button><button id="main-twitter" aria-label="twitter" class="react-share__ShareButton article-top-social-share_socialButton__Wi8LM article-top-social-share_inline__kSd0u" style="background-color:transparent;border:none;padding:0;font:inherit;color:inherit;cursor:pointer"><svg viewBox="0 0 64 64" width="64" height="64"><rect width="64" height="64" rx="0" ry="0" fill="#00aced"></rect><path d="M48,22.1c-1.2,0.5-2.4,0.9-3.8,1c1.4-0.8,2.4-2.1,2.9-3.6c-1.3,0.8-2.7,1.3-4.2,1.6 C41.7,19.8,40,19,38.2,19c-3.6,0-6.6,2.9-6.6,6.6c0,0.5,0.1,1,0.2,1.5c-5.5-0.3-10.3-2.9-13.5-6.9c-0.6,1-0.9,2.1-0.9,3.3 c0,2.3,1.2,4.3,2.9,5.5c-1.1,0-2.1-0.3-3-0.8c0,0,0,0.1,0,0.1c0,3.2,2.3,5.8,5.3,6.4c-0.6,0.1-1.1,0.2-1.7,0.2c-0.4,0-0.8,0-1.2-0.1 c0.8,2.6,3.3,4.5,6.1,4.6c-2.2,1.8-5.1,2.8-8.2,2.8c-0.5,0-1.1,0-1.6-0.1c2.9,1.9,6.4,2.9,10.1,2.9c12.1,0,18.7-10,18.7-18.7 c0-0.3,0-0.6,0-0.8C46,24.5,47.1,23.4,48,22.1z" fill="white"></path></svg></button><button id="main-linkedin" aria-label="linkedin" class="react-share__ShareButton article-top-social-share_socialButton__Wi8LM article-top-social-share_inline__kSd0u" style="background-color:transparent;border:none;padding:0;font:inherit;color:inherit;cursor:pointer"><svg viewBox="0 0 64 64" width="64" height="64"><rect width="64" height="64" rx="0" ry="0" fill="#007fb1"></rect><path d="M20.4,44h5.4V26.6h-5.4V44z M23.1,18c-1.7,0-3.1,1.4-3.1,3.1c0,1.7,1.4,3.1,3.1,3.1 c1.7,0,3.1-1.4,3.1-3.1C26.2,19.4,24.8,18,23.1,18z M39.5,26.2c-2.6,0-4.4,1.4-5.1,2.8h-0.1v-2.4h-5.2V44h5.4v-8.6 c0-2.3,0.4-4.5,3.2-4.5c2.8,0,2.8,2.6,2.8,4.6V44H46v-9.5C46,29.8,45,26.2,39.5,26.2z" fill="white"></path></svg></button><button id="main-email" aria-label="email" class="react-share__ShareButton article-top-social-share_socialButton__Wi8LM article-top-social-share_inline__kSd0u" style="background-color:transparent;border:none;padding:0;font:inherit;color:inherit;cursor:pointer"><svg viewBox="0 0 64 64" width="64" height="64"><rect width="64" height="64" rx="0" ry="0" fill="#7f7f7f"></rect><path d="M17,22v20h30V22H17z M41.1,25L32,32.1L22.9,25H41.1z M20,39V26.6l12,9.3l12-9.3V39H20z" fill="white"></path></svg></button><button class="article-top-social-share_printButton__EXFYY article-top-social-share_socialButton__Wi8LM article-top-social-share_inline__kSd0u" id="main-print"><svg xmlns="http://www.w3.org/2000/svg" aria-labelledby="at-svg-print-4" class="icon--print_inline_svg__at-icon icon--print_inline_svg__at-icon-print" style="fill:#fff;width:32px;height:32px" viewBox="0 0 32 32"><path d="M24.67 10.62h-2.86V7.49H10.82v3.12H7.95c-.5 0-.9.4-.9.9v7.66h3.77v1.31L15 24.66h6.81v-5.44h3.77v-7.7c-.01-.5-.41-.9-.91-.9zM11.88 8.56h8.86v2.06h-8.86V8.56zm10.98 9.18h-1.05v-2.1h-1.06v7.96H16.4c-1.58 0-.82-3.74-.82-3.74s-3.65.89-3.69-.78v-3.43h-1.06v2.06H9.77v-3.58h13.09v3.61zm.75-4.91c-.4 0-.72-.32-.72-.72s.32-.72.72-.72c.4 0 .72.32.72.72s-.32.72-.72.72zm-4.12 2.96h-6.1v1.06h6.1v-1.06zm-6.11 3.15h6.1v-1.06h-6.1v1.06z"></path></svg></button></div></div></div></div></div><div class="basic-story_paragraphContainer__TWxF3"><div class="text-content_outer__fxYfg text-intro"><div class="text-content_inner__OK4E9"><div class="text-content_textContent__f06k1"><div id="text-content-container"><p>UNIVERSITY PARK, Pa. — Nick Hotalen, a third-year Penn State student pursuing degrees in economics and mathematics, is not just crunching numbers — he’s shaping futures. As a Chaiken Scholar and a Sokolov-Miller Family Financial and Life Skills Center ambassador, Hotalen uses his expertise to teach financial literacy to fellow students. Over the past three years, he has made budgeting and personal finance accessible to students in LA 083 First-Year Seminar in the Liberal Arts courses, including sections for Chaiken Scholars.</p> <p>“My presentations to first-year Chaiken Scholars are one of my favorite parts of the semester,” Hotalen said. “It’s a way to give back to the Chaikens and the Liberal Arts Chaiken Center for all they’ve helped me with.”</p> <p>Hotalen’s decision to pursue dual majors stemmed from an initial interest in obtaining a doctorate in economics, he said. Although he has shifted his career aspirations, his interdisciplinary studies continue to benefit him on his path to becoming an actuary.</p> <p>“Economics provides a unique perspective to my actuarial work, complementing the technical background from my math degree,” he explained.</p> <p>Outside of academics, Hotalen’s interest in financial literacy shines through his role at the Sokolov-Miller Family Financial and Life Skills Center. Initially drawn to the position for its emphasis on helping others, Hotalen said he quickly realized the value of teaching financial skills to others — something he has enjoyed doing immensely since attending high school in Bordentown, New Jersey.</p> </div></div></div></div><div class="carousel article-gallery_carousel__IBeYm" data-testid="article-image-gallery"><div class="article-gallery_inner__QMhJw"><button class="article-gallery_button__PHRVt article-gallery_buttonBack__mM9ol" style="top:0px" id="image-gallery-next"><svg xmlns="http://www.w3.org/2000/svg" width="47" height="47"><g stroke="#FFF"><path fill="#FFF" stroke-width="0.5" d="m19.559 24.072 7.3-7.3a1.38 1.38 0 1 0-1.949-1.944l-8.276 8.27a1.377 1.377 0 0 0-.04 1.9l8.31 8.33a1.38 1.38 0 1 0 1.954-1.948Z"></path><path fill="none" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" d="M45.5 23.5a22 22 0 1 1-22-22 22 22 0 0 1 22 22Z"></path></g></svg></button><div class="article-gallery_tray__mT2Ep"><div class="horizontalSlider___281Ls carousel__slider carousel__slider--horizontal article-gallery_slider__Z3hI2" aria-live="polite" aria-label="slider" tabindex="-1" role="" id="slider_element"><div class="carousel__slider-tray-wrapper carousel__slider-tray-wrap--horizontal"><div class="sliderTray___-vHFQ sliderAnimation___300FY carousel__slider-tray carousel__slider-tray--horizontal article-gallery_sliderTrayCount2__9DgD5" style="display:flex;align-items:stretch;width:0%;transform:translateX(NaN%) translateX(0px);flex-direction:row" role="listbox" aria-label="gallery"><div tabindex="-1" aria-selected="true" aria-label="slide" role="option" class="slide___3-Nqo slideHorizontal___1NzNV carousel__slide article-gallery__visible carousel__slide--visible article-gallery_slide__2iLNN" style="width:Infinity%;padding-bottom:unset;height:unset" id="0"><div class="slideInner___2mfX9 carousel__inner-slide" style="position:unset"><figure itemscope="" itemType="http://schema.org/ImageObject" class="article-gallery-image_articleGalleryImage__kFX8s article-gallery-image_disabledImage__QrZnb disabled" data-testid="article-image-gallery-image"><button class="article-gallery-image_imageButton__BEFzG" tabindex="-1" disabled=""><div class="article-gallery-image_imageOverlay__bEADH image-overlay"></div><img itemProp="contentUrl" class="article-gallery-image_image__rjja4 image_image__VjCRd" loading="lazy" srcSet="" sizes="(min-width: 1080px) 644px, 95vw" data-testid="image" id="article-image-click"/></button></figure></div></div><div tabindex="-1" aria-selected="false" aria-label="slide" role="option" class="slide___3-Nqo slideHorizontal___1NzNV carousel__slide article-gallery_hiddenSlide__1weRM carousel__slide--hidden article-gallery_slide__2iLNN" style="width:Infinity%;padding-bottom:unset;height:unset" id="1"><div class="slideInner___2mfX9 carousel__inner-slide" style="position:unset"><figure itemscope="" itemType="http://schema.org/ImageObject" class="article-gallery-image_articleGalleryImage__kFX8s article-gallery-image_disabledImage__QrZnb disabled" data-testid="article-image-gallery-image"><button class="article-gallery-image_imageButton__BEFzG" tabindex="-1" disabled=""><div class="article-gallery-image_imageOverlay__bEADH image-overlay"></div><img itemProp="contentUrl" class="article-gallery-image_image__rjja4 image_image__VjCRd" loading="lazy" srcSet="" sizes="(min-width: 1080px) 644px, 95vw" data-testid="image" id="article-image-click"/></button></figure></div></div></div></div></div></div><button class="article-gallery_button__PHRVt article-gallery_buttonNext__n3Y6w" style="top:0px" id="image-gallery-next"><svg xmlns="http://www.w3.org/2000/svg" width="47" height="47"><g stroke="#FFF"><path fill="#FFF" stroke-width="0.5" d="m27.442 24.072-7.3-7.3a1.38 1.38 0 1 1 1.949-1.944l8.276 8.27a1.377 1.377 0 0 1 .04 1.9l-8.31 8.33a1.38 1.38 0 0 1-1.954-1.948Z"></path><path fill="none" stroke-linecap="round" stroke-linejoin="round" stroke-width="3" d="M1.5 23.5a22 22 0 1 0 22-22 22 22 0 0 0-22 22Z"></path></g></svg></button></div></div><div class="text-content_outer__fxYfg text-intro"><div class="text-content_inner__OK4E9"><div class="text-content_textContent__f06k1"><div id="text-content-container"><h2><strong>Practical experiences with real-world impact</strong></h2> <p>Last summer, Hotalen interned with the New Jersey Department of Labor and Workforce Development. The experience gave him the opportunity to navigate the complexities of public safety and health initiatives and challenged him to adapt quickly. It also solidified his understanding of workplace dynamics.</p> <p>Looking ahead, Hotalen said he is excited to participate in an actuarial internship with SageSure, a property insurance company based in Cheshire, Connecticut, this summer. This opportunity will allow him to apply his studies directly to his future career in pricing actuarial work.</p> <p>“I’m thrilled to be learning from a team doing exactly what I aspire to do after graduation,” Hotalen said.</p> <p>Beyond the classroom and his internships, Hotalen is an active member of the Penn State Club Powerlifting team and a devoted soccer and football fan. He balances these pursuits, he said, with the support of a tight-knit Penn State community that has made the University feel like home.</p> <p>Reflecting on his experiences, Hotalen emphasized the importance of time management and organization — skills that have proven essential in his busy schedule. His advice to fellow students? Learn to distinguish between wants and needs when managing finances, and trust your instincts.</p> <p>“Financial literacy is deeply personal, and understanding your priorities can make all the difference,” he advised.</p> <h2><strong>A grateful scholar</strong></h2> <p>For Hotalen, being a Chaiken Scholar is more than a title; it’s a source of confidence and gratitude, he said. The support he’s received from the <a href="http://la.psu.edu/chaiken-center">Liberal Arts Chaiken Center for Student Success</a> has propelled his academic and professional journey, inspiring him to give back to the Penn State community.</p> <p>“Knowing that there are people who believe in my success has been incredibly motivating,” Hotalen reflected. “I’m deeply grateful to the Chaikens for everything they’ve done for me and the University.”</p> </div></div></div></div></div><div class="basic-story_updatedContainer__fKQ60"><div class="basic-story_updated__EkcOf">Last Updated February 19, 2025</div></div><section class="media-contact-list_container__1uep6"><h3 class="media-contact-list_title__hpRtk">Contact</h3><ul class="media-contact-list_list__FrkOp" data-testid="contacts"><li class="media-contact-list_contact__0yNSI"><div class="media-contact_contactGrid__7Sb7R"><p class="media-contact_name__jaYHI">Kathy Swidwa</p><ul class="media-contact_list__o2Db4"><li 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The experience gave him the opportunity to navigate the complexities of public safety and health initiatives and challenged him to adapt quickly. It also solidified his understanding of workplace dynamics.\u003c/p\u003e\n\u003cp\u003eLooking ahead, Hotalen said he is excited to participate in an actuarial internship with SageSure, a property insurance company based in Cheshire, Connecticut, this summer. This opportunity will allow him to apply his studies directly to his future career in pricing actuarial work.\u003c/p\u003e\n\u003cp\u003e“I’m thrilled to be learning from a team doing exactly what I aspire to do after graduation,” Hotalen said.\u003c/p\u003e\n\u003cp\u003eBeyond the classroom and his internships, Hotalen is an active member of the Penn State Club Powerlifting team and a devoted soccer and football fan. He balances these pursuits, he said, with the support of a tight-knit Penn State community that has made the University feel like home.\u003c/p\u003e\n\u003cp\u003eReflecting on his experiences, Hotalen emphasized the importance of time management and organization — skills that have proven essential in his busy schedule. His advice to fellow students? Learn to distinguish between wants and needs when managing finances, and trust your instincts.\u003c/p\u003e\n\u003cp\u003e“Financial literacy is deeply personal, and understanding your priorities can make all the difference,” he advised.\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003eA grateful scholar\u003c/strong\u003e\u003c/h2\u003e\n\u003cp\u003eFor Hotalen, being a Chaiken Scholar is more than a title; it’s a source of confidence and gratitude, he said. The support he’s received from the \u003ca href=\"http://la.psu.edu/chaiken-center\"\u003eLiberal Arts Chaiken Center for Student Success\u003c/a\u003e has propelled his academic and professional journey, inspiring him to give back to the Penn State community.\u003c/p\u003e\n\u003cp\u003e“Knowing that there are people who believe in my success has been incredibly motivating,” Hotalen reflected. “I’m deeply grateful to the Chaikens for everything they’ve done for me and the 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