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Payne, Patrick; Kalenkoski, Charlene M.; Browning, Christopher – Journal of Financial Counseling and Planning, 2019
This study tests whether risk tolerance mitigates the effects of credit card mismanagement on users' financial satisfaction. We used data from the Health and Retirement Study and found results showing that credit card mismanagement reduces the financial satisfaction of lower-risk-tolerance users only. The results also suggest that the psychic…
Descriptors: Risk, Money Management, Credit (Finance), Costs
Festa, Mackenzie M.; Knotts, Kevin G. – Journal of Financial Counseling and Planning, 2021
Self-leadership examines how individuals can motivate themselves through behavior focused strategies, constructive thought patterns, and natural reward strategies. This study examined the potential influence of self-leadership on financial self-efficacy, credit card debt, and student loan debt among college students. Data were collected from a…
Descriptors: Money Management, Self Efficacy, Debt (Financial), Student Financial Aid
Yao, Rui; Meng, Xiangyi – Journal of Financial Counseling and Planning, 2018
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…
Descriptors: College Students, Credit (Finance), Foreign Countries, Money Management
Atlas, Stephen A.; Lu, Jialing; Micu, P. Dorin; Porto, Nilton – Journal of Financial Counseling and Planning, 2019
This article investigates associations between confidence about financial knowledge and two outcome variables, financial behaviors and financial satisfaction. On one hand, subjective financial knowledge (confidence) is necessary to make proactive decisions, yet overconfidence has been associated with a range of negative financial behaviors and…
Descriptors: Money Management, Credit (Finance), Self Efficacy, Correlation
Hunter, Jennifer L.; Heath, Claudia J. – Journal of Financial Counseling and Planning, 2017
This article uses a random digit dial probability sample (N = 328) to examine the relationship between credit card use behaviors and household well-being during a period of severe economic recession: The Great Recession. The ability to measure the role of credit card use during a period of recession provides unique insights to the study of credit…
Descriptors: Credit (Finance), Consumer Economics, Well Being, Family (Sociological Unit)
Yates, Stephanie R. – Journal of Financial Counseling and Planning, 2020
Using data from the 2016 Survey of Consumer Finances, this study investigates factors that affect electronic banking adoption rates. Financial knowledge, income, education, and credit card ownership are associated with a high probability of electronic banking adoption. However, age is negatively associated with the probability of online banking…
Descriptors: Banking, Online Systems, Money Management, Probability
Kim, Jinhee; Chatterjee, Swarn – Journal of Financial Counseling and Planning, 2021
The purpose of this study is to examine the debt burdens, perceived capabilities, and mental health of young adults. Panel data constructed from the 2009 to 2013 waves of the Panel Study of Income Dynamics (PSID) and its Transition to Adulthood (TA) supplement are used in this study. The multinomial logistic regression analysis findings showed…
Descriptors: Debt (Financial), Mental Health, Correlation, Young Adults
Robb, Cliff A.; Sharpe, Deanna L. – Journal of Financial Counseling and Planning, 2009
Analysis of survey data collected from 6,520 students at a large Midwestern University affirmed that financial knowledge is a significant factor in the credit card decisions of college students but not entirely in expected ways. Results of a double hurdle analysis indicated that students with relatively higher levels of financial knowledge were…
Descriptors: College Students, Credit (Finance), Probability, Money Management
Kim, Jinhee; Chatterjee, Swarn; Kim, Jung Eun – Journal of Financial Counseling and Planning, 2012
Factors associated with the borrowing behavior of young adults who are transitioning from financial dependence to financial independence were identified. Data used were from the 2009 Transition to Adulthood and its parental companion data set, Panel Studies of Income Dynamics. Results indicate that age, gender, race, and work status are associated…
Descriptors: Young Adults, College Students, Developmental Stages, Independent Living
Goetz, Joseph W.; Mimura, Yoko; Desai, Miti P.; Cude, Brenda J. – Journal of Financial Counseling and Planning, 2008
The current study explored differences in financial behaviors between college students in Georgia who retained the merit-based HOPE Scholarship and those who lost it. Logistic regression was used to analyze data from a sample of 557 undergraduate students from a large southeastern university. Students who initially had HOPE Scholarships but lost…
Descriptors: Undergraduate Students, Merit Scholarships, Regression (Statistics), Debt (Financial)