Jacquelyn Warwick

Credit Card Consumers: College Student Knowledge and Attitude

Given the proliferation of the credit card industry in today’s US households, and the aggressive promotional tactics employed to get college students to sign on as customers, this exploratory study takes a look at the credit card activity of college students at one Midwestern campus. The majority of students surveyed did not report knowledge of their credit card interest rate, although approximately half did report knowing their credit balance and credit limit. Students appear to have a realistic attitude toward the use of credit cards.

Gender Differences in Students' and Parents' Evaluative Criteria When Selecting a College

ABSTRACT Evaluation of gender differences between students and between parents based on the perceived financial, social, psychological, physical, and functional risks associated with college selection. Nineteen criteria associated with these risks were evaluated for significant gender differences as well as for their level of importance by gender in the selection process. Student gender differences were financial aid, security, academics, friendly atmosphere and religious atmosphere. Parent gender differences were financial aid and degrees offered. Within both groups, females possessed a higher mean. The most important criterion for female students and parents was academics; for male students it was tuition.

Perceived Risk in College Selection: Differences in Evaluative Criteria Used by Students and Parents

ABSTRACT Students and parents base college selection on how well the college will overcome the perceived financial, social, psychological, physical, and functional risks associated with the college experience. Nineteen criteria associated with these risks were evaluated for significant differences between students and parents as well as for their level of importance in the selection process. Significant differences were found with regards to financial aid, security/safety, weather, professors, marriage prospects, athletics, and reputation of the school. The most important criterion for both students and parents was the academics of the institution. Only seven of the top ten criteria were the same.