Financial Literacy: Why Money Matters on Campus
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1 Financial Literacy: Why Money Matters on Campus Mary Johnson, Director of Financial Literacy and Student Aid Policy February Higher One, Inc. All Rights Reserved. 1
2 Discussion Outline Background CCC Student Success Initiative Why Financial Literacy matters National study results What s happening on community college campuses How to become a champion Higher One s commitment 2013 Higher One, Inc. All Rights Reserved. 2
3 California Community Colleges Student Success and Support California Community Program Colleges Student Success and Support Program 2013 Higher One, Inc. All Rights Reserved. 3
4 Moreno Valley College Student Success and Support Program: Scope and Intent Student Success is the responsibility of the institution and student, supported by well-coordinated and evidence based student and instructional services to foster academic success. Title 5, Section Higher One, Inc. All Rights Reserved. 4
5 Core Services Core Services Orientation: A process that acquaints students and potential students with, at a minimum, college programs, student support services, facilities and grounds, academic expectations, institutional procedures, and other appropriate information Title 5, Section Higher One, Inc. All Rights Reserved. 5
6 SB 1456 Student Success and Support Program Credit Funding Formula College s Potential Population of Students to Receive Services Students Served at the College College Match Unduplicated Credit Student Headcount* (academic year = summer, fall, winter, spring) 40% Base Funding Floor $35K or 10% (whichever is greater) *Includes CA resident students enrolled as of census in at least 0.5 credit units, (STD7) headcount status A, B, C, excludes special admits Initial Orientation (SS06)** 10% Initial Assessment (SS07)** 10% Abbreviated SEP (SS09)** 10% Counseling/Advising (SS08) 15% Comprehensive SEP (SS09) 35% At Risk Follow-Up Svc (SM10) 15% Other Follow-Up Svc (SM11) 5% 60% 3:1*** **Include pre-enrollment services provided for students with SB record ***Match may include A&R, & SSSP related technology & research 2013 Higher One, Inc. All Rights Reserved. 6
7 Why Financial Literacy Matters 2013 Higher One, Inc. All Rights Reserved. 7
8 Perspective While freshman and their parents are likely thinking more about tests and academics during orientation, the fact is that after graduation a student s credit rating is arguably far more important to his or her future than grade point averages. Robert D. Manning, PhD,, Author Credit Card Nation Research Professor and Director of the Center for Consumer Financial Services Rochester Institute of Technology 2013 Higher One, Inc. All Rights Reserved. 8
9 Reality for Students Inexperienced with money management Trouble controlling their spending Taking on too much debt Serious post-college consequences 2013 Higher One, Inc. All Rights Reserved. 9
10 Sobering Statistics % of students who pay off credit card debt each month Less than 20% (Sallie Mae 2009) Average unpaid balance upon graduation $4,100 (Sallie Mae 2009) Average student loan debt upon graduation $26,600 (The Project on Student Debt 2012) College graduate bankruptcy rate Up 20% over last 5 years (Institute for Financial Literacy 2011) 2013 Higher One, Inc. All Rights Reserved. 10
11 Higher Education s Role Prepare well-educated and productive citizens Address societal problems Financial Literacy is the next problem State colleges and universities have a unique opportunity to provide leadership on this critical topic by weaving financial education into the fabric of their campus. AASCU Fall Higher One, Inc. All Rights Reserved. 11
12 Financial Incentives Cost Efficiency Cheaper to keep students than recruit new ones Short-Term Revenue Losses Delay in enrollment, attend 2-year institutions, drop out or reduce course load 37% drop out because of finances Long-Term Revenue Implications Default prevention Tomorrow s alumni and future parents 2013 Higher One, Inc. All Rights Reserved. 12
13 Money Matters ON CAMPUS: How Early Attitudes and Behaviors Affect the Financial Decisions of First-Year College Students 2013 Higher One, Inc. All Rights Reserved. 13
14 Credit Card Behavior 28% have a credit card, most having more than one 25% have over $1,000 in credit card debt 8% have been late on a credit card payment at least once 5% of students have over $5,000 in credit card debt 2013 Higher One, Inc. All Rights Reserved. 14
15 Banking Behavior Reflective of the general literature, students with bank accounts are more likely to engage in responsible financial behaviors Higher One, Inc. All Rights Reserved. 15
16 Financial Attitudes 79% OF STUDENTS REPORTED THEY WORRY ABOUT DEBT Banks should not be surprised when students incur debts 73% agree I like to own things that impress people 60% agree It s OK to have an overdraft fee if you can pay it off 60% agree Students have to go into debt 41% agree It s better to have something now and pay for it later ALARMING ATTITUDES: 31% agree Could be contributing to the high levels of financial stress the students in our sample reported 2013 Higher One, Inc. All Rights Reserved. 16
17 Identified 7 Key Factors Cautious Financial Attitudes Indulgence for Status and Social Gain Utilitarian Financial Behavior Debt as a Necessity Possessions Providing Happiness Spending Compulsion Aversion to Debt 2013 Higher One, Inc. All Rights Reserved. 17
18 Regression Analysis CAUTIOUS FINANCIAL ATTITUDES Following a budget (+) Withdrawal from college (-) Participate in high-risk debt behavior (-) Having a checking account (+) Paying loans on time and in-full (+) DEBT AS A NECESSITY Having a checking account (-) Paying loans on time and in full (-) Structured savings plan (-) Following a budget (-) Withdrawal from college (+) Being late on credit card payments (+) SPENDING COMPULSION Frequency of bank contact (-) Paying loans on time and in-full (-) High-Risk debt behavior (+) Being late of credit card payments (+) 2013 Higher One, Inc. All Rights Reserved. 18
19 Implications FOR INSTITUTIONS Embrace finance literacy as part of your mission Consider implementing a financial literacy curriculum Use a developmental perspective Provide the entire population with financial education FOR BUSINESS PARTNERS Develop and improve solutions Provide online tools and resources for students FOR RESEARCHERS Use longitudinal measures to study financial literacy Focus more on post-college outcomes Analyze the demographic variations of finance-related attitudes and behaviors Investigate the co-morbidity of financial literacy and other problem behaviors 2013 Higher One, Inc. All Rights Reserved. 19
20 Key Financial Literacy Elements Cash management and budgeting Credit cards Debt management Net worth Savings and investing Credit scores Identity protection 2013 Higher One, Inc. All Rights Reserved. 20
21 Taking Action Courses Dedicated websites Workshops, seminars, special events Peer to peer counseling Social media outlets Money management centers Full online programs 2013 Higher One, Inc. All Rights Reserved. 21
22 Jefferson CTC Financial Literacy Count$ Spearheaded by Single Parent Support group Conducted a financial literacy video contest open to all students 2 of the winning videos: ti9juse&feature=plcp mtltlcw&feature=youtu.be 2013 Higher One, Inc. All Rights Reserved. 22
23 Northeastern Junior College 20 students trained as financial ambassadors Required freshman orientation program Over 200 students attended other events Price is Right game show Awesome Island game Luncheon speakers Students encouraged to completed lessons online at cicmoney101.org 2013 Higher One, Inc. All Rights Reserved. 23
24 College of the Sequoias 2013 Higher One, Inc. All Rights Reserved. 24
25 Saddleback College Requires all Federal Direct Loan borrowers to complete financial literacy course: 2013 Higher One, Inc. All Rights Reserved. 25
26 Tyler Junior College Residential college held evening workshops for students Offered free coins for wash and laundry supplies for attending session Provide food and beverages as added incentive Sold out crowd Top questions: How to get/obtain good credit How to limit student loans 2013 Higher One, Inc. All Rights Reserved. 26
27 Aiken Technical College 2013 Higher One, Inc. All Rights Reserved. 27
28 Tips for Getting Started Identify your advocates, especially students Start small Know your students Embrace financial literacy as part of your mission Choose engaging and high quality content and delivery methods Assess what you are doing 2013 Higher One, Inc. All Rights Reserved. 28
29 Higher One s Commitment Financial Literacy Director Dedicated website/blog Articles and guest bloggers Tools Contests New! Money Matters Newsletter Twitter handle MoneyTalkMary Assistance to colleges and universities Presentations and workshops Grant assistance Publications Content partnership with Everfi 2013 Higher One, Inc. All Rights Reserved. 29
30 Student Engagement 2013 Higher One, Inc. All Rights Reserved. 30
31 Financial Literacy Counts Grant Created in applications each year from across the country $58,000 provided to 17 institutions in application process to open in April Visit Higher One, Inc. All Rights Reserved. 31
32 Financial Literacy Quiz 1. a 6. b 2. c 7. c 3. b 8. b 4. b 9. b 5. a 10. d 2013 Higher One, Inc. All Rights Reserved. 32
33 Questions? Visit: Follow me on 2013 Higher One, Inc. All Rights Reserved. 33
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