1. Financial Stress: The Overwhelming Impact on Students NMASFAA March 27, 2014

2. Speakers 2 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia. Brenda McCafferty Strategic Business Director Inceptia Mike Lubben Vice President of Business Development Inceptia Dr. Anthony Marin Director of Student Affairs & Enrollment Mgmt. New Mexico State University

3. Agenda 3 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia. Importance of Financial Literacy Financial Stress Q&A

4. Knowledge Skills & Abilities ConfidencePerspective What is financial literacy? 4 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

5. 5 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

6. Skills and Abilities 6 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

7. Confidence 7 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

8. Perspective 8 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

9. Responsible Financial Decisions 9 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia. Knowledge Skills/ Abilities Skills/ Abilities Confidence/ Efficacy Confidence/ Efficacy Perspective

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11. Cost of attendance is going up Why? 11 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

12. 19% of full-time students at public four-year colleges and universities attend institutions that increased their published prices by 12% or more. Why? 12 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia. College Board

13. Cost of attendance is going up Young adults desperately lack financial skills Why? 13 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

14. Financial Aptitude Analysis 14 © 2014 InceptiaConfidential. Do not copy or redistribute without expressed written permission from Inceptia.

15. Cost of attendance is going up Young adults desperately lack financial skills Legislative environment Why? 15 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

16. Cost of attendance is going up Young adults desperately lack financial skills Legislative environment Stress and money Why? 16 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

17. Inceptia Financial Stress Survey 17 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia. Online survey N = 438 Currently enrolled or recent grads

18. Student Respondents by Rank 18 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

19. Student Respondents by Institution Type 19 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

20. Top Stressors 20 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

21. Qualitative Feedback Health and Mental Health (Self) Health and/or Death of Family Member Concerns about Career and Educational Plans Extracurricular Activities and Athletics Relationships 21 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia. Top Stressors

22. “My mom was in an accident and my parents’ income took a big hit.”

23. “Not being able to afford groceries has been a cause for concern that I find frequently distracts me while doing my school work.”

24. “When all I can think about is money and how much I’m going to owe or how I can’t afford supplies, it’s hard to stay focused in school.”

25. “My mother is disabled and my family is below the poverty line. It’s hard for me to be off at school, eating regular meals and attending classes because I get student loans, while my family is at home and most likely without groceries.”

26. Impact of Financial Education 26 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

27. Red to Green Money Management Program Title V Grant Institutionalized Inceptia Wells Fargo Company NMSU President’s Performance Fund New Mexico State University 27 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

28. Staffing Director, Student Affairs Associate Director, Career Services Peer Financial Literacy Coaches Career Service Marketing Department NMSU Financial Aid and Scholarship Office Student Success Center, Associate Director Student Success Center, Graduate Assistant Private Industry Professionals NMSU Faculty New Mexico State University 28 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

29. Content Student Financial Aid Student Loans/Repayment Identity Theft Credit Score/Reporting Credit Card Use Budgeting Financial Success New Mexico State University 29 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

30. Hands on Banking and Financial Avenue University 114 Money Matter$ Wells Fargo Hands on Banking Financial Avenue Modules Financial Related Articles New Mexico State University 30 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

31. Financial Success Workshops UNIV Courses University Courses Classroom Presentations General Student Population Federal, State, University Programs Individual Financial Success Sessions Peer Lead New Mexico State University 31 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

32. Financial Success Fair Banks Consultation Financial Services Investment Firms Insurance April 16, 2014 New Mexico State University 32 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

33. Social Media Blitz Facebook Twitter Instagram Pinterest Red to Green Money Management Program Website Program Information Financial Resources Financial Avenue New Mexico State University 33 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

34. University 114 Money Matter$ Wells Fargo Financial Avenue Modules Financial Related Articles Future Initiatives Evaluation Plan Outcomes New Mexico State University 34 © 2014 Inceptia Confidential. Do not copy or redistribute without expressed written permission from Inceptia.

35. Q&A 35

36. BRENDA MCCAFERTY Strategic Business Director 601.214.7224 brendam@inceptia.org Inceptia.org Follow us on Twitter | @Inceptia 36

37. MIKE LUBBEN Vice President of Business Development 402.661.9455 mikel@inceptia.org Inceptia.org Follow us on Twitter | @Inceptia 37

38. TONY MARIN DIRECTOR, STUDENT AFFAIRS 575-646-1416 amarin@ad.nmsu.edu http://careerservices.nmsu.edu/red-to-green/ Follow us on Twitter | @Inceptia 38