It's report card season around America, the time of year when thousands of students and parents wait on pins and needles for what they hope will be good grades. But this year, some, if not many parents, may find themselves disappointed. And here's why: student test scores tend to drop along with a community's economy — regardless of whether their own parents have lost their jobs. Beth Kobliner is here to explain. In addition to being the author of "Get a Financial Life," she's also an appointee to the President's Advisory Council on Financial Capability.