This study represents an extension of longitudinal studies regarding personal financial literacy. Graduating college students must have a financial plan in place as they enter the workforce along with a "game plan" on how to attack their college debt. A college personal finance course can help each student develop their personalized financial plans. However, other college or university disciplines can help reinforce sound financial principles in their courses. If you think about it, "money" is a common denominator that links everyone together in our society. Shouldn't our universities and colleges be responsible for helping their students become excellent "money managing" stewards?