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Andrews, Benjamin D. – Journal of Student Financial Aid, 2021
While the majority of college students use credit cards for educational expenses like textbooks, recent data reports that college students also use credit cards to directly fund their schooling by charging for at least some part of their tuition (Sallie Mae, 2009). Because credit cards carry a higher interest rate than student loans, and because…
Descriptors: College Students, Paying for College, Credit (Finance), Tuition
Andrews, Benjamin D. – Research in Higher Education, 2021
Since the turn of the twenty-first century, going to college has become increasingly financially difficult in the United States. Tuition prices continued to rise, state funding for higher education declined, and the mean family income declined or stagnated for all but the top 20 percent of families (Goldrick-Rab 2016). In a period where college…
Descriptors: Paying for College, Student Costs, Credit (Finance), Longitudinal Studies
Shelstad, Nancy; Hansen, Lyle; Vega, Liliana – Journal of Extension, 2018
The need for youth credit card education is clear given the many statistics indicating increasing credit card debt and an overall scarcity of credit card education targeting youths. The Teen$ Credit Card simulation program offers youths an opportunity to experience "owning" a credit card, using it, and realizing the consequences of…
Descriptors: Youth, Money Management, Credit (Finance), Youth Programs
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
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
Andrews, Benjamin D. – ProQuest LLC, 2017
Since the turn of the 21st century, going to college has become increasingly financially difficult in the United States. Tuition prices continued to rise, state funding for higher education declined, and the mean family income declined or stagnated for all but the top 20 percent of families (Goldrick-Rab 2016). In a period where college has risen…
Descriptors: Credit (Finance), College Students, Tuition, Paying for College
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)
Niznik, Aaron; Fletcher, Carla; Barone, Sandra – Trellis Company, 2022
This brief explores the unique financial circumstances of parenting students, a population that makes up nearly a quarter of all postsecondary students. We find that parenting students are more likely to report experiencing financial struggles, use public assistance more often, and are more reliant on credit cards. At the same time, parenting…
Descriptors: Nontraditional Students, Parents, Higher Education, Financial Problems
Lie, Celia; Hunt, Maree; Peters, Heather L.; Veliu, Bahrie; Harper, David – Psychological Record, 2010
The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavior through associative learning. If this is true, social, economic and historical contexts should alter this effect. In Experiment 1, Year…
Descriptors: Foreign Countries, Purchasing, Credit (Finance), Value Judgment
Willey, Lorrie; White, Barbara Jo – Journal of Information Systems Education, 2013
Security is a significant concern in business and in information systems (IS) education from both a technological and a strategic standpoint. Students can benefit from the study of information systems security when security concepts are introduced in the context of real-world industry standards. The development of a data security standard for…
Descriptors: Credit (Finance), Information Security, Retailing, Compliance (Legal)
Jayaraman, J. D.; Jambunathan, Saigeetha; Adesanya, Regina – Education 3-13, 2019
This study compared the financial literacy and teaching practices of 82 early and elementary teachers in India and US using a 43-item survey. Analysis showed that financial literacy of Indian teachers was lower than their American counterparts. Teachers in India enjoyed teaching financial literacy more than teachers in the US. Indian teachers…
Descriptors: Money Management, Classroom Techniques, Worksheets, Teaching Methods
Tenenbaum, Seth – New England Journal of Higher Education, 2020
College and university leaders are fighting the battle of their lives to maximize their institutions' financial wellbeing. With COVID-19 further weakening institutions' financial positions, are there any hidden sources of savings still to be had? The answer, often, is yes--even for the many institutions who have already made substantial cuts. It…
Descriptors: Educational Finance, Budgeting, Retrenchment, Costs
Smith, Temple Day – ProQuest LLC, 2011
Few students leave college with a plan for paying off their debt. Starting a career inundated with student loans and credit card debt burdens is a reality many college students face today. In the wake of graduation coming to terms with the consequences of credit card debt is stressful for many students. This dissertation observes the relationship…
Descriptors: College Students, Debt (Financial), Credit (Finance), Grade Point Average
Sallie Mae Bank, 2018
Introduced this year, "How America Pays for Graduate School" is a national study by Sallie Mae, conducted by Ipsos. This new study is designed to complement Sallie Mae's "How America Pays for College" report, which, for the last 10 years, has provided insights into how American families plan and pay for college, with a focus on…
Descriptors: Graduate Study, Paying for College, Graduate Students, Educational Finance