A profile of financially at-risk college students

Research output: Contribution to journalReview articlepeer-review


Using a random sample of college students, this study identifies the factors that significantly affect the probability a college student is financially at risk for mismanaging/misusing credit. Financially at-risk students are more likely to be financially independent, to receive need-based financial aid, to hold $1000 or more in other debt, and to have acquired their credit card(s) by mail, at a retail store, and/or at a campus table. Students having difficulty making credit card payments are also more likely to be female, black, and/or Hispanic. Campus administrators and financial professionals can use this information to better allocate their resources and develop materials that specifically target those students who need them most.

Original languageEnglish (US)
Pages (from-to)56-80
Number of pages25
JournalJournal of Consumer Affairs
Issue number1
StatePublished - 2004

ASJC Scopus subject areas

  • Sociology and Political Science
  • Economics, Econometrics and Finance(all)


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