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College Student Credit Card Usage Study 2009
How Undergraduate Students Use Credit Cards: Sallie Mae’s National Study of Usage Rates and Trends 2009
+ In this time of credit crunch and economic downturn, college students are relying on credit cards more than ever before. Nearly every indicator measured in spring 2008 showed an increase in credit card usage since the last study was conducted in fall 2004.
+ By year in college, credit card usage and debt also is increasing across all categories credit card ownership, average balance, median balance, those carrying any balance, and those carrying high balances.
+ Nine in 10 undergraduates reported paying for direct education expenses with credit cards and the average amount they charged more than doubled since the last study.
+ Many college students seem to use credit cards to live beyond their means not just for convenience and more than three-quarters incurred finance charges by carrying a monthly balance.
+ One-third of students rarely or never discussed credit card use with parents, and nearly all undergraduates would like more information on financial management topics.
Abogados April 21, 2009 08:33 AM