Journal of Family and Economic Issues

, Volume 29, Issue 1, pp 23–40 | Cite as

Changing College Students’ Financial Knowledge, Attitudes, and Behavior through Seminar Participation

  • Lynne M. Borden
  • Sun-A Lee
  • Joyce Serido
  • Dawn Collins
Original Paper


This pilot study examined the influence of Credit Wise Cats, a financial education seminar presented by Students in Free Enterprise, on the attitudes, knowledge, and intentions toward financial responsibility of college students (N = 93). Findings suggest that the seminar effectively increased students’ financial knowledge, increased responsible attitudes toward credit and decreased avoidant attitudes towards credit from pre-test to post-test. At post-test, students reported intending to engage in significantly more effective financial behaviors and fewer risky financial behaviors. Finally, demographic factors (e.g., gender and employment status) predicted students’ financial knowledge, attitudes, and behaviors. These results suggest that a seminar format may be useful in reaching a wider audience of college students and, thus, warrants future longitudinal evaluation.


College students Financial education Financial knowledge Financial behavior Financial attitudes 



This research was funded in part by the Take Charge America Institute at the University of Arizona. We wish to thank Melinda Burke, Marcia Klipsch, Emmanuel Morales, Steve Marks, Margaret Stone, the program leaders of the Credit Wise Cats’ seminars, Tara Luckau, Arlie Roth, Selam Tecle, and Amelia Harrison for their assistance.


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Copyright information

© Springer Science+Business Media, LLC 2007

Authors and Affiliations

  • Lynne M. Borden
    • 1
  • Sun-A Lee
    • 2
  • Joyce Serido
    • 1
  • Dawn Collins
    • 1
  1. 1.The Norton School of Family and Consumer SciencesUniversity of ArizonaTucsonUSA
  2. 2.Hospitality, Tourism, and Family & Consumer SciencesGeorgia Southern UniversityStatesboroUSA

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