1. Angela Caddell Director for Communications, Financial Education & Outreach Services Campus Financial Education

2. The Challenge called ‘Gen Y’, ‘Millennials’, and ‘Generation Plastic’ a student loan was the first credit experience for many “easy out” philosophy sense of entitlement connected 24/7 inflated salary expectations

3. The Approach positive inspirational interactive – content real-life stories shared perspectives quick bites of information focus on solutions (not causes) open discussion

4. The Approach – delivery method(s) YES! traditional campus marketing communication technologies social media guidance & conversation NO. e-mail blasts lecture

5. The Approach – venue where do students gather organically? where do you want them to spend time? where is your message most relevant? – timing when do students gather organically? when is your message most relevant?

6. The Approach – skills developing a budget completing the FAFSA understanding my credit report balancing my checkbook multiple touchpoints build skills, change behaviors –behaviors using credit cards responsibly saving money reviewing my credit report annually tracking my spending teachable moments throughout collegiate lifespan

7. The Approach multiple delivery mediums – online – social media – face time: in courses – face time: in workshops – address all learning styles, if possible visual auditory kinesthetic

8. The Approach audience assessment – what do students value? – what do students know? – what do students need to know? – how do students want to learn? » focus groups » town hall meeting » student task force

9. integrate financial education within existing programs & services – workshops and seminars – instructional materials – train-the-trainer support – Web text and eNewsletters – online tools Solutions budgeting credit student loan management savings identity theft

10. Solutions campus workshops – freshman orientation – GATEWAY and Life Skills courses – financial aid counseling sessions – TRiO programs – associations, clubs, Greek life – training for faculty, staff, student leaders

11. Solutions full customization – to reflect your campus – to reflect your students – to complement your existing services program consulting & execution –assess campus educational needs –brainstorm delivery options –facilitate activities –implement service strands

12. Solutions key messages: student debt management – higher education is an investment in future earning potential – if you must borrow to cover school expenses, exhaust all federal loan options before considering private or ‘alternative’ loans – don’t accept loan funds you don’t need; borrow only what you need to pay school expenses

13. Solutions key messages: student debt management – research scholarship options every year; eligibility requirements change and new programs are added – reconsider your need for loan funds every semester – pay attention to your total amount borrowed as you go, and keep your expected first-year salary in mind

14. [print publications]

15. Solutions [custom web text]

16. [web-based tools]

18. Solutions ‘smart borrowing’ publication – bridge the gap between entrance and exit touchpoints – make the connection among borrowing decisions, debt load and salary expectations middle school materials –money values and spending patterns are formed early, often before high school –support financial literacy PASSport requirements [on the horizon]

19. Angela Caddell 405.234.4495 acaddell@ocap.org www.OklahomaMoneyMatters.org