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    •   MOspace Home
    • University of Missouri-Columbia
    • Graduate School - MU Theses and Dissertations (MU)
    • Theses and Dissertations (MU)
    • Dissertations (MU)
    • 2007 Dissertations (MU)
    • 2007 MU dissertations - Freely available online
    • View Item
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    College students and credit card use : the effect of personal financial knowledge on debt behavior

    Robb, Cliff A., 1978-
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    [PDF] research.pdf (626.3Kb)
    Date
    2007
    Format
    Thesis
    Metadata
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    Abstract
    Analysis of survey data from 6,520 students at a large Midwestern University affirmed that financial knowledge is a significant factor in the credit card decisions of college students, though the relationship between the two does not behave entirely as expected. Contrary to expectations, results of a double hurdle analysis indicate that students with higher levels of financial knowledge had significantly higher credit card balances. While the present analysis develops a clear link between financial knowledge and financial behaviors, questions remain as to the direction of the relationship. The present analysis provides further insight into the determinants of personal financial knowledge. Specifically, improved scores are noted among white males who are financially independent, receive financial aid, are married, have had at least one course in personal finance, and are business majors.
    URI
    https://doi.org/10.32469/10355/4793
    https://hdl.handle.net/10355/4793
    Degree
    Ph. D.
    Thesis Department
    Personal financial planning (MU)
     
    Consumer and family economics (MU)
     
    Rights
    OpenAccess.
    This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 3.0 License.
    Collections
    • Personal Financial Planning electronic theses and dissertations (MU)
    • 2007 MU dissertations - Freely available online

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