Xuan (Sarah) Zou has a M.S. in statistics and finance from the University of Illinois at Urbana-Champaign. She is currently a Ph.D. candidate in economics at Rutgers University, specializing in financial markets, banking systems, and monetary policy. Her dissertation focuses on the slow recovery of small business lending in U.S. banking institutions. Sarah is an experienced instructor: she was a teaching assistant for Economics of Development and Population Economics, and taught Money and Banking and Intermediate Macroeconomics Analysis. She is also a teaching assistant/graduate assistant steering committee member of the American Association of University Professors, fighting for tuition remission and other benefits for Ph.D. students at Rutgers.