Data on psychological influences of financial behaviors has not been well addressed in student populations, which is concerning given the high levels of general and financial stress experienced by college students. The findings of this study indicate that college students with an external locus of control exhibit the worst financial behaviors. Male students and students who grew up with wealthier parents exhibit better financial behaviors. Black and Hispanic students exhibit slightly worse financial behaviors than other students. Students who receive work study, do not receive military-based education assistance, never attend religious ceremonies, or feel that religion is not very important were more likely to report an external locus of control. Identification of financially at-risk students is imperative given the high dropout rates among college students. This study provides a profile of at-risk students that can be used in developing targeted financial services on college campuses.