Note: This is a student project from a course affiliated with the Ethnography of the University Initiative. EUI supports faculty development of courses in which students conduct original research on their university, and encourages students to think about colleges and universities in relation to their communities and within larger national and global contexts.

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Title:Credit Card Use Among Undergraduate College Students
Contributor(s):Arends-Kuenning, Mary
Subject(s):credit cards
student debt
financial literacy
personal finance
Geographic Coverage:Illinois
Abstract:Researching individual characteristics of students that indicate successful personal finance skills led our research team to learn about undergraduate college student use of credit cards at the University of Illinois at Urbana-Champaign. We set out to find answers to our initial hypothesis and our research lead us to interview a university official in charge of a student financial wellness program, conduct two focus groups, and sent out a survey to random sample of the undergraduate population. Our hypothesis predicted that students who have finance related majors, personal interest in financial matters, or parental guidance were more likely to utilize credit cards appropriately compared to other students. Some obvious correlations helped us identify student major, year in school, financial guidance, and budgeting skills to indicate financially stable students. We then took these results and compared them to students with credit cards and without credit cards to find a relationship among the various characteristics. We used the results from our paper to suggest several solutions to the University of Illinois to better market their financial wellness programs to students and improve financial awareness across campus.
Issue Date:2018-09-20
Course / Semester:ACE 471/FALL/2017
Date Available in IDEALS:2018-09-20

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  • Student Communities and Culture
    The university offers an extraordinary opportunity to study and document student communities, life, and culture. This collection includes research on the activities, clubs, and durable social networks that comprise sometimes the greater portion of the university experience for students.

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