The program will develop resources and materials to help college students build financial knowledge, make informed financial decisions, use financial services responsibly.
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Current Credit Usage and Knowledge:
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1. Do you have a credit card?
Yes
No
2. When did you obtain your first credit card?
Before beginning college
First year of college
After first year of college
3. What is the TOTAL amount you currently owe on ALL of your credit cards?
RMB 0 (I do not owe any money)
RMB 1 - RMB 499
RMB 500 - RMB999
RMB1,000 – RMB2,999
RMB3,000 - RMB4,999
RMB5,000 - RMB9,999
RMB10,000 or more
Not sure
4. In the last few years, have you ever been late on any of your credit card payments by 2 months or more?
Yes
No
5. Did your parents discuss money management with you as a child or a high scholar?
No
Rarely
Sometimes
Often or regularly
6. Have you had a personal finance class?
Yes, in high school
Yes, in college
Yes, both in high school and college
Yes, in another setting such as at church or through a club
No
7. Why did you take a personal finance class?
It was required by the school
I wanted to do a good job of managing my finances
I felt like I was in financial trouble and needed help
My parents thought I should
I have not taken a personal finance class
8. Which of the following best describes your experience with a personal finance class?
I learned a lot
I learned a little
I didn’t learn anything
I have not taken a personal finance class
9. How often do you use your credit card?
Almost daily
A few times a week
A few times a month
Rarely
Emergencies Only
10. 12. Do you charge school items (i.e. textbooks, tuition, fees) on your credit card(s), because student financial aid is not enough to cover the cost?
Yes
No
11. How often do you pay off the ENTIRE BALANCE on your credit card(s)?
Almost always
Sometimes
Never
12. How often do you “MAX OUT” your credit card(s)?
Almost always
Sometimes
Never
13. What is the “Annual Percentage Rate” (APR) for the credit card you use the MOST?
Less than 5% APR
5% - 9% APR
10% - 14% APR
15% - 20% APR
Higher than 20% APR
Not sure
14. What is the total “maximum amount” you can charge on the credit card you use the MOST?
RMB0 - RMB499
RMB500 - RMB999
RMB1,000 – RMB2,999
RMB3,000 - RMB4,999
RMB5,000 or more
Not sure
15.
What do you usually purchase with your credit card(s)?
Textbooks/school supplies
Tuition and fees
Clothes and other personal items
Groceries
Eating out
Entertainment (movies, dance clubs, etc.)
Gas/auto maintenance/auto repair
Travel (airfare, hotel, rental car)
Rent/utilities
Other bills (cable, internet, cell phone)
Expenses related to Fraternity/Sorority/Professional
Other, please specify
16. What type(s) of Financial Aid have you received? (Check all that apply)
No Financial Aid at this time
Federal student loans (i.e. Stafford, Direct)
Federal parent loans (PLUS)
Alternative loans (private loans)
Federal work-study
Need-based grants (i.e. PELL, MAP)
Scholarships
Tuition waiver
17. How much do you currently owe with respect to financial aid loans?
RMB0, I have no financial aid loans
RMB1 - RMB4,999
RMB5,000 – RMB9,999
RMB10,000 - RMB19,999
RMB20,000 - RMB29,999
RMB30,000 - RMB39,999
RMB40,000 -RMB49,999
RMB50,000 or more
Not sure
18. What other type(s) of loans do YOU personally have (do not include loans for which you are NOT personally responsible for the repayment)? (Check all that apply)
No other loans at this time
Car loan
Mortgage
Installment loan (i.e. for stereo, PC, other electronics, furniture)
Informal loan from family/friends
Private loan from a financial institution (bank, credit union)
Other, please specify
19. NOT including credit card debt and financial aid loans, approximately how much other debt do you currently owe?
RMB0
RMB1 - RMB999
RMB1,000 – RMB2,999
RMB3,000 - RMB4,999
RMB5,000 - RMB9,999
RMB10,000 - RMB19,999
RMB20,000 or more
Not sure
20. How did you acquire the credit card you use the MOST?
A mail application
At a campus table
At a bank/financial institution
At a retail store
Over the phone
Online
Parents
Other, please specify
21. What do you usually purchase with your credit card(s)? (Check all that apply)
Textbooks/school supplies
Tuition and fees
Clothes and other personal items
Groceries
Eating out
Entertainment (movies, dance clubs, etc.)
Gas/auto maintenance/auto repair
Travel (airfare, hotel, rental car)
Rent/utilities
Other bills (cable, internet, cell phone)
Expenses related to Fraternity/Sorority/Professional
Other, please specify
22. What type(s) of Financial Aid have you received? (Check all that apply)
No Financial Aid at this time
Federal student loans (i.e. Stafford, Direct)
Federal parent loans (PLUS)
Alternative loans (private loans)
Federal work-study
Need-based grants (i.e. PELL, MAP)
Scholarships
Tuition waiver
23. What other type(s) of loans do YOU personally have (do not include loans for which you are NOT personally responsible for the repayment)? (Check all that apply)
No other loans at this time
Car loan
Mortgage
Installment loan (i.e. for stereo, PC, other electronics, furniture)
Informal loan from family/friends
Private loan from a financial institution (bank, credit union)
y
Other, please specify
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