scholarly journals Attitudes toward Credit and Finances among College Students in Brazil and the United States

2013 ◽  
Vol 1 (1) ◽  
pp. 132 ◽  
Author(s):  
Jill M. Norvilitis ◽  
Wesley Mendes-Da-Silva
Keyword(s):  
United States ◽  
College Students ◽  
Parenting Practices ◽  
Credit Card ◽  
Student Loans ◽  
Credit Cards ◽  
Well Being ◽  
Developed Countries ◽  
The United States ◽  
Delay Of Gratification

Although research on credit card debt in developed countries has identified predictors of debt among<br />college students, it is unknown whether these same predictors apply in emerging markets, such as<br />Brazil. To examine this issue, a total of 1257 college students, 814 from Brazil and 443 from the United<br />States, participated in a study exploring the utility of a theory of planned behavior as a predictor of<br />credit card debtand student loans among college students, as well as perceived financial well-being.<br />Compared to the Brazilian participants, the American sample was more financially self-confident,<br />reported better financial well-being, and was more likely to believe that credit cards are negative.<br />Similar predictors of financial well-being emerged in the samples. Specifically, parenting practices<br />related to money and better self-reported delay of gratification are related to more positive financial<br />attitudes and lower levels of debt. Although the debt to income ratio among card holders was similar,<br />Brazilian students held more credit cards than American students. Greater delay of gratification was<br />related to lower levels of student loans in the United States, but there were no significant predictors of<br />student loans in Brazil.

Materialism and Credit Card Use by College Students

2000 ◽  
Vol 86 (2) ◽  
pp. 643-652 ◽  
Author(s):  
Mary Beth Pinto ◽  
Diane H. Parente ◽  
Todd S. Palmer
Keyword(s):  
College Students ◽  
Credit Card ◽  
Credit Cards ◽  
The United States ◽  
College Campuses ◽  
Spending Patterns ◽  
Significant Difference ◽  
Students Attitudes ◽  
The Relationship ◽  
Credit Card Use

Much has been written in the popular press on credit card use and spending patterns of American college students. The proliferation of credit cards and their ease of acquisition ensure that students today have more opportunities for making more credit purchases than any other generation of college students. Little is known about the relationship between students' attitudes towards materialism and their use of credit cards. A study was conducted at three college campuses in the northeastern part of the United States where a total of 1,022 students were surveyed. Students' attitudes toward use of credit and their credit card balances were evaluated relative to their scores on Richins and Dawson's Materialism Scale (1992). Our findings suggest no significant difference between those individuals scoring high versus low on the Materialism Scale in terms of the number of credit cards owned and the average balance owed. Individuals high on materialism, however, significantly differed in terms of their uses for credit cards and their general attitude toward their use.

scholarly journals College Students’ Well-being during the COVID-19 Pandemic: A Systematic Review of the Literature

2021 ◽  
Vol 4 (4) ◽  
pp. p1
Author(s):  
Michaela Q. Iglesia ◽  
Ming-Tsan Lu
Keyword(s):  
United States ◽  
College Students ◽  
Systematic Review ◽  
Large Scale ◽  
Psychological Impact ◽  
Well Being ◽  
The United States ◽  
Socioeconomic Impacts ◽  
Health Lifestyle ◽  
Gender Minorities

Studies have shown increased levels of distress during the coronavirus disease-19 (COVID-19) pandemic, and college students are becoming more recognized as a vulnerable population. This narrative systematic review aims to synthesize the current understanding of mental health, lifestyle, and socioeconomic impacts that the pandemic had on college students in the United States. A search was conducted on PubMed, PsycInfo, and Web of Science. A total of 34 observational studies were included which examined aspects of college students’ health and experiences during the COVID-19 pandemic in the United States. A great deal of students was shown to experience a moderate level of stress and subsyndromal depression and anxiety in the early months of the COVID-19 pandemic. Several risk and protective factors have been characterized. Students experienced various academic, financial, and housing disruptions. Studies have highlighted the need for institutional support to reduce the adverse psychological impact of the pandemic. There is a need for further large-scale research to assess the scope of COVID-19-related biopsychosocial impact, especially in vulnerable populations such as racial/ethnic and sexual/gender minorities.

The Relationship Between ADHD Symptomatology and Financial Well-Being Among College Students

2019 ◽  
pp. 108705471988744
Author(s):  
Jill M. Norvilitis ◽  
Braden K. Linn ◽  
Michelle M. Merwin
Keyword(s):  
College Students ◽  
Credit Card ◽  
Student Loans ◽  
Well Being ◽  
Student Loan ◽  
Financial Strain ◽  
Student Loan Debt ◽  
Financial Difficulties ◽  
Loan Debt ◽  
Students With Adhd

Objective: Although there is research that indicates financial difficulties among adults with ADHD, little research has examined financial well-being among college students with ADHD. Method: The present study explored the relationships between symptoms of ADHD and credit card and student loan debt, expected student loan debt, perceived financial well-being, worries about student loans, and financial strain behaviors among 612 college students at two public universities in different states. Results: Results indicated that students with more symptoms of ADHD reported lower perceived financial well-being, but there was no relationship between symptomatology and credit card and student loan debt or expected student loan debt. Conclusion: These results highlight the opportunity for interventions to address current perceived financial well-being and to prevent future financial concerns.

scholarly journals Effects of COVID-19 on College Students’ Mental Health in the United States: Interview Survey Study (Preprint)

2020 ◽  
Author(s):  
Changwon Son ◽  
Sudeep Hegde ◽  
Alec Smith ◽  
Xiaomei Wang ◽  
Farzan Sasangohar
Keyword(s):  
Mental Health ◽  
Higher Education ◽  
United States ◽  
College Students ◽  
Multiple Stressors ◽  
Well Being ◽  
The United States ◽  
Survey Study ◽  
Positive Coping ◽  
Negative Impacts

BACKGROUND Student mental health in higher education has been an increasing concern. The COVID-19 pandemic situation has brought this vulnerable population into renewed focus. OBJECTIVE Our study aims to conduct a timely assessment of the effects of the COVID-19 pandemic on the mental health of college students. METHODS We conducted interview surveys with 195 students at a large public university in the United States to understand the effects of the pandemic on their mental health and well-being. The data were analyzed through quantitative and qualitative methods. RESULTS Of the 195 students, 138 (71%) indicated increased stress and anxiety due to the COVID-19 outbreak. Multiple stressors were identified that contributed to the increased levels of stress, anxiety, and depressive thoughts among students. These included fear and worry about their own health and of their loved ones (177/195, 91% reported negative impacts of the pandemic), difficulty in concentrating (173/195, 89%), disruptions to sleeping patterns (168/195, 86%), decreased social interactions due to physical distancing (167/195, 86%), and increased concerns on academic performance (159/195, 82%). To cope with stress and anxiety, participants have sought support from others and helped themselves by adopting either negative or positive coping mechanisms. CONCLUSIONS Due to the long-lasting pandemic situation and onerous measures such as lockdown and stay-at-home orders, the COVID-19 pandemic brings negative impacts on higher education. The findings of our study highlight the urgent need to develop interventions and preventive strategies to address the mental health of college students.

scholarly journals Personal Financial and Economic Issues for College Students

2016 ◽  
Vol 2 (1) ◽  
pp. 27
Author(s):  
David M. Gordon ◽  
Shannon Brown
Keyword(s):  
College Students ◽  
Credit Card ◽  
Student Loans ◽  
Well Being ◽  
Financial Decisions ◽  
New Graduates ◽  
Financial Events ◽  
Credit Card Usage ◽  
Financial Issues

<p><em>As students enter college, they typically encounter new responsibilities not experienced beforehand. The various financial decisions that college students encounter are one of the most important. These decisions often require students to educate themselves about banking, employment, budgeting, credit card usage, student loans, credit ratings, different types of debt, and insurance, among other things. This paper addresses those various issues. We offer both information and advice with regard to these issues. Consideration of how various financial events and choices effect the student’s long term goals and opportunities is crucial to developing long-term financial well-being. The ability to make sound decisions regarding personal financial issues will help new graduates emerge from college upon solid financial footing.</em><em></em></p>

scholarly journals Effects of COVID-19 on College Students’ Mental Health in the United States: Interview Survey Study

10.2196/21279 ◽  
2020 ◽  
Vol 22 (9) ◽  
pp. e21279 ◽  
Author(s):  
Changwon Son ◽  
Sudeep Hegde ◽  
Alec Smith ◽  
Xiaomei Wang ◽  
Farzan Sasangohar
Keyword(s):  
Mental Health ◽  
Higher Education ◽  
United States ◽  
College Students ◽  
Multiple Stressors ◽  
Well Being ◽  
The United States ◽  
Survey Study ◽  
Positive Coping ◽  
Negative Impacts

Background Student mental health in higher education has been an increasing concern. The COVID-19 pandemic situation has brought this vulnerable population into renewed focus. Objective Our study aims to conduct a timely assessment of the effects of the COVID-19 pandemic on the mental health of college students. Methods We conducted interview surveys with 195 students at a large public university in the United States to understand the effects of the pandemic on their mental health and well-being. The data were analyzed through quantitative and qualitative methods. Results Of the 195 students, 138 (71%) indicated increased stress and anxiety due to the COVID-19 outbreak. Multiple stressors were identified that contributed to the increased levels of stress, anxiety, and depressive thoughts among students. These included fear and worry about their own health and of their loved ones (177/195, 91% reported negative impacts of the pandemic), difficulty in concentrating (173/195, 89%), disruptions to sleeping patterns (168/195, 86%), decreased social interactions due to physical distancing (167/195, 86%), and increased concerns on academic performance (159/195, 82%). To cope with stress and anxiety, participants have sought support from others and helped themselves by adopting either negative or positive coping mechanisms. Conclusions Due to the long-lasting pandemic situation and onerous measures such as lockdown and stay-at-home orders, the COVID-19 pandemic brings negative impacts on higher education. The findings of our study highlight the urgent need to develop interventions and preventive strategies to address the mental health of college students.

Credit card literacy and financial well-being of college students

2019 ◽  
Vol 37 (4) ◽  
pp. 991-1003 ◽  
Author(s):  
Yam B. Limbu ◽  
Shintaro Sato
Keyword(s):  
College Students ◽  
Self Efficacy ◽  
Credit Card ◽  
Credit Cards ◽  
Well Being ◽  
Content Type ◽  
Mediating Role ◽  
Moderated Mediation Model ◽  
The Relationship

Purpose By testing a moderated mediation model, the purpose of this paper is to examine the mediating role of credit card self-efficacy in the relationship between credit card literacy and financial well-being. The authors further examine if credit card number moderates this effect. Design/methodology/approach Data for the study were collected from 427 college students. The PROCESS macros in IBM SPSS Statistics 23 was used to assess the hypothesized relationships. Findings Credit card literacy positively influences financial well-being through self-efficacy. However, this effect is stronger when college students own fewer credit cards. Practical implications Banks and credit card issuers, policymakers and colleges and universities should place a greater emphasis on credit card literacy programs that enhance students’ general understanding of credit card terms and conditions and confidence in their ability to effectively use and manage their credit cards. Originality/value To our knowledge, this is the first study to examine the relationship between credit card literacy, self-efficacy and financial well-being.

scholarly journals A Global Nutritional Index

2008 ◽  
Vol 29 (4) ◽  
pp. 266-277 ◽  
Author(s):  
Joshua I. Rosenbloom ◽  
Dorit Nitzan Kaluski ◽  
Elliot M. Berry
Keyword(s):  
United States ◽  
Developing Countries ◽  
High Mortality ◽  
Well Being ◽  
Developed Countries ◽  
The United States ◽  
Double Burden ◽  
Nutritional Index ◽  
Good Nutrition ◽  
Countries In Transition

Background A standardized global nutritional index (GNI) would provide a single statistic for each country according to its overall level of nutrition, which could then guide national policies. Objectives and methods We have developed a GNI modeled on the human development index (HDI), based on three indicators of nutritional status: deficits, excess, and food security. Calculations were made within four groups of countries (GNI) (32 developed countries, 26 countries in transition, 64 low-mortality developing countries, and 70 high-mortality developing countries) as well as between them—the Global Nutrition Index World wide (GNIg). Results Complete data were available for 192 countries. The ranking of the highest and lowest countries in the four groups (with their GNIg values) is as follows: developed countries—Japan 1 (0.989), United States 99 (0.806); countries in transition—Estonia 10 (0.943), Tajikistan 173 (0.629); low-mortality developing countries—Republic of Korea 12 (0.939), Nauru 185 (0.565); high-mortality developing countries— Algeria 47 (0.876), Sierra Leone 192 (0.420). A “double burden,” in which nutrient deficits and excesses coexist in the same country, was seen in Mauritania (rank 139), South Africa (rank 146), Samoa (rank 157), Lesotho (rank 160), and Fiji (rank 169). The correlation between GNIg and HDI was intermediate (0.74, 55% of variance explained), demonstrating that good nutrition and development are not necessarily synonymous. Countries may be developed yet have a low GNIg (e. g., Australia, Canada, and the United States) and vice versa (e. g., Indonesia and China). Conclusions Since nutrition is fundamental to a nation's health and productivity, the GNI and GNIg should be used alongside the HDI to obtain an optimal index of a country's overall well-being.

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