1. Dwight Horsey Millersville University

2.  "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

3.  To the student  To the family  To the institution

4.  Discouraging credit card companies on campus  Freshmen Year Experience  Workshops, websites, on-line courses, videos, on-demand media  Staff dedicated to debt management

5.  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

6.  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.

8.  Relationships  Familiarity with services  Don’t check the web  Mom, Dad or no one

9.  Develop relationships with students  Put as much info out as Possible  Explore other options  Suggestions ?

10.  Credit Card Use by College Students contributors; 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