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 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.

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 Credit Card Usage Among College Students in China

2018 ◽  
Vol 29 (2) ◽  
pp. 304-315 ◽  
Author(s):  
Rui Yao ◽  
Xiangyi Meng
Keyword(s):  
College Students ◽  
Credit Card ◽  
Credit Cards ◽  
Common Method ◽  
Financial Knowledge ◽  
Chinese College Students ◽  
Credit History ◽  
Using Data ◽  
High Level ◽  
Credit Card Usage

Credit cards have become a common method of payment for college students in China. It is important that they form good credit card usage behaviors and build a good credit history early in their financial life. Using data collected from 10 universities in China, results of this study found that being financially dependent on their parents is negatively associated with Chinese college students’ ability to pay their credit card bills. The study also found that students with a high level of financial knowledge were less likely to take cash advances on their credit card. Implications for financial educators and parents as well as policymakers were provided.

The Research of Key Factors Influencing Ecological Civilization Consciousness of College Students Based on Ant Colony Clustering Algorithm

2014 ◽  
Vol 472 ◽  
pp. 894-898
Author(s):  
Wen Jiao Xing ◽  
Xue Hua Zhang ◽  
Hong Wei Zhang
Keyword(s):  
College Students ◽  
Clustering Algorithm ◽  
Well Being ◽  
Ant Colony ◽  
Human Consciousness ◽  
Key Factors ◽  
Ecological Civilization ◽  
Ant Colony Clustering ◽  
First Time

Ecological civilization construction is related to not only peoples well-being, but also the long term plan of a countrys development and revitalization. This research applied ant colony clustering algorithm to study the feasibility and key factors of ecological civilization promotion in the college students It is the first time that quantitative method was introduced into the human consciousness research. The results show that college students have known the situation of resources and environmental problems well, which is a advantage for the promotion of ecological civilization concept. However, the role that colleges play in ecological civilization promotion has not performed fully. And above two items are the key factors to promote ecological civilization promotion.

scholarly journals An Investigation Into Credit Card Debt Among College Students

2011 ◽  
Vol 1 (4) ◽  
pp. 43
Author(s):  
Dylan Williams ◽  
Brian Waterwall ◽  
Tiffany Giardelli
Keyword(s):  
College Students ◽  
Market Share ◽  
Credit Card ◽  
Credit Card Debt ◽  
Large Group ◽  
Usage Patterns ◽  
Credit Card Usage ◽  
E Mail ◽  
Outstanding Loan

It is no surprise that the amount of credit card debt and outstanding loan balances of college students is increasing every year. College students are heavily targeted by credit companies through the use of e-mail, campus booths, and standard mail. The reason for these solicitations is because of the soaring expense levels of college students and the potential that such a large group has to add profits to the issuing firm. Marketers are interested in credit card usage of students to determine the best methods for gaining market share in this emergent market. Credit card and loan usage patterns of college students are investigated.

scholarly journals Student Loans: Do College Students Borrow Too Much—Or Not Enough?

2012 ◽  
Vol 26 (1) ◽  
pp. 165-192 ◽  
Author(s):  
Christopher Avery ◽  
Sarah Turner
Keyword(s):  
College Students ◽  
Credit Card ◽  
Student Loans ◽  
Student Loan ◽  
Limited Evidence ◽  
Student Loan Debt ◽  
Educational Expenditures ◽  
Financial Perspective ◽  
Loan Debt ◽  
First Time

Total student loan debt rose to over $800 billion in June 2010, overtaking total credit card debt outstanding for the first time. By the time this article sees print, the continually updated Student Loan Debt Clock will show an accumulated total of roughly $1 trillion. Borrowing to finance educational expenditures has been increasing—more than quadrupling in real dollars since the early 1990s. The sheer magnitude of these figures has led to increased public commentary on the level of student borrowing. We move the discussion of student loans away from anecdote by establishing a framework for considering the use of student loans in the optimal financing of collegiate investments. From a financial perspective, enrolling in college is equivalent to signing up for a lottery with large expected gains—indeed, the figures presented here suggest that college is, on average, a better investment today than it was a generation ago—but it is also a lottery with significant probabilities of both larger positive, and smaller or even negative, returns. We look to available—albeit limited—evidence to assess which types of students are likely to be borrowing too much or too little.

Connectivity, Community, and Kinship as Strategies to Foster Queer and Trans College Student Retention

2020 ◽  
Vol 21 (4) ◽  
pp. 476-496
Author(s):  
Erich N. Pitcher ◽  
S. L. Simmons
Keyword(s):  
Higher Education ◽  
College Students ◽  
Identity Development ◽  
Well Being ◽  
College Student Retention ◽  
Educational Trajectories ◽  
Education Leaders ◽  
Higher Education Leaders ◽  
Hostile Environments

Given that multiple forms of oppression are endemic to higher education, strategies intended to retain queer and trans college students should mirror the strategies of survival and thriving found within queer and trans communities. Fostering and bolstering connections, community, and kinship among queer and trans college students through a lens of multiplicities of identities will better support queer and trans students’ retention. For example, some queer and trans students may depart from an institution—whether temporary or long term to support their own well-being and identity development, given the various forms of oppression that higher education institutions instantiate and exacerbate. We call on higher education leaders to take seriously their role in reducing or eliminating the harm caused to queer and trans college students. Queer and trans college students are resilient within hostile environments and have agency about their educational trajectories.

scholarly journals Credit Card Literacy Levels And Credit Card Usage Behaviors Of College Students

2016 ◽  
Vol 8 (4) ◽  
pp. 266-266
Author(s):  
Cengiz Toraman ◽  
Yunus Kılıç ◽  
Mehmet Fatih Buğan
Keyword(s):  
College Students ◽  
Credit Card ◽  
Credit Card Usage
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