An important part of a science aimed at the prevention of human dysfunction
involves the development of empirically based models that identify process
es of risk for or protection from emotional distress or behavioral problems
over time. The present study developed and evaluated such a model that pro
posed two pathways through which family economic pressure was expected to i
nfluence change in adolescent internalizing symptoms (depression and anxiet
y) during the period from the eighth to the tenth grades. A total of 377 ru
ral families in a midwestern state provided data for the analyses. The resu
lts were generally consistent with the conceptual model in that family econ
omic pressure increased adolescent perceptions of family economic hardship,
which, in tom, reduced the adolescent's sense of control or mastery over t
ime. Lowered mastery was associated with increases in emotional distress. A
lso consistent with the model, prior levels of mastery appeared to reduce t
he magnitude of economic stress experienced by the adolescent whereas prior
emotional distress intensified the economic stress process. Although gende
r differences were found in these processes, the overall pattern of results
suggests that girls and boys are both at risk for internalizing problems w
hen families experience economic pressure. Implications of the findings for
the development of effective preventive interventions with financially str
essed families in rural areas are discussed.