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Financial Literacy From the Student Perspective. Dwight Horsey Millersville University. What is financial literacy?. "Financial literacy" is the understanding of basic concepts of money Necessary skills to handle personal finances During a lifetime Concepts include Budgeting Saving

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financial literacy from the student perspective

Financial Literacy From the Student Perspective

Dwight Horsey

Millersville University

what is financial literacy
What is financial literacy?
  • "Financial literacy" is the understanding of basic concepts of money
    • Necessary skills to handle personal finances
    • During a lifetime
  • Concepts include
    • Budgeting
    • Saving
    • Funding college
    • Buying a home or an automobile
    • Percentage rates on credit cards
    • Planning for retirement
why is it important
Why is it important?
  • To the student
  • To the family
  • To the institution
how we do it
How we do it
  • Discouraging credit card companies on campus
  • Freshmen Year Experience
  • Workshops, websites, on-line courses, videos, on-demand media
  • Staff dedicated to debt management
what s going on
What’s Going On?
  • Most students don’t budget their money
  • They are concerned or very concerned about money
  • Most own a credit or debit card
  • They try to save money but find it difficult
what s going on1
What’s Going on?
  • Most students don’t like loans but take them out anyway.
  • Upper classmen more concerned about loans than Fr. or Soph.
  • Clothes, rent, food, and car insurance are the top expenses.
  • Most make enough money to meet their needs.
do i know you
Do I know You?
  • Relationships
  • Familiarity with services
  • Don’t check the web
  • Mom, Dad or no one
what is the solution
What is the solution
  • Develop relationships with students
  • Put as much info out as Possible
  • Explore other options
  • Suggestions ?
resources
Resources
  • Credit Card Use by College Studentscontributors; Frances C. Lawrence, Alumni Professor, and Jennifer J. Burczyk-Brown, Former Research Associate, School of Human Ecology, LSU AgCenter, Baton Rouge, La.; Rebecca C. Christofferson, Former Graduate Student, Department of Experimental Statistics, LSU AgCenter, Baton Rouge, La.; Sheri R. Fair, Extension Agent, LSU AgCenter, Gonzales, La., E. Barry Moser, Professor, Department of Experimental Statistics, LSU AgCenter, Baton Rouge, La.; Jeanette A. Tucker, Associate Professor, School of Human Ecology, LSU AgCenter, Baton Rouge, La