College Students’ Attitudes toward Debt

Abstract

This work has undergone a double-blind review by a minimum of two faculty members from institutions of higher learning from around the world. The faculty reviewers have expertise in disciplines closely related to those represented by this work. If possible, the work was also reviewed by undergraduates in collaboration with the faculty reviewers. AbstractFraternity and sorority members are overrepresented as perpetrators and victims of sexual assault, respectively. The current study examined rape myth acceptance, bystander attitudes, and bystander efficacy across four groups: sorority women, fraternity men, non-affiliated women, and non-affiliated men. Data were collected from 912 college undergraduates. Greek affiliated students were more accepting of rape myths than non-affiliated students. There were no differences in bystander attitudes based on Greek affiliation; however, Greek affiliated students did report significantly lower bystander efficacy than non-affiliated students. Sorority women and fraternity men reported no differences in their acceptance of rape myths or bystander efficacy; however, sorority women did report higher bystander attitudes than fraternity men. Based on the findings, it is recommended that prevention practitioners work to change norms within fraternities and sororities to promote a social identity that is associated with gender equality and a willingness, perhaps even an obligation, to intervene in risky situations.

Consumer debt attitudes: The role of gender, debt knowledge and skills

“…Researchers who previously investigated the link between financial knowledge and financial attitudes obtained mixed results. For example, Beale and Cude () report a lack of any significant relationship, while Lachance () and Almenberg et al () document a positive association. The current study showed that the debt attitudes of adult Poles are linked to debt literacy—that is, both debt knowledge and debt skills.…”

“…However, in light of the existing empirical evidence, the effect of gender on financial literacy is much more puzzling than other characteristics of sociodemographic and economic status. The effect of gender on financial literacy, the “gender gap” in favour of male individuals, has been found many times in empirical research not only in financial literacy tests (Alessie, Rooij, & Lusardi, ; Beckmann, ; Brown & Graf, ; Disney & Gathergood, ; Gentile, Linciano, & Soccorso, ; Klapper & Panos, ; Lusardi & Mitchell, ; Sekita, ; Stolper & Walter, ; The Freedom Institute and Raiffeisen Polbank, ) but also in financial attitudes, including attitudes towards debt (Almenberg et al, ; Beale & Cude, ; Haultain et al, ). For this reason, this study focuses on gender as a particularly interesting factor determining debt attitudes.…”

“…In Haultain et al (), female students in New Zealand were shown to be more fearful of debt and less likely to find it useful. More negative attitudes towards debt were found among American female college students (Beale & Cude, ; Xiao et al, ), German female adolescents (Goedde‐Menke, Erner, & Oberste, ) and English female university students (Agnew & Harrison, ). However, gender turned out to be unrelated to attitudes towards credit cards in Joo, Grable, and Bagwell () and in a population of New Zealand university students (Agnew & Harrison, ).…”

Spending profiles of sultan idris education university undergraduates: a CHAID-based segmentation

“…Majority of these students were funded by education loans, whilst those with academic achievements and other fields may have been offered scholarships and others sponsored by parents (Norhaslinda Daud, Norlia Mat Norwani, Rohaila Yusof, 2018). Issues on whether these funding were spent appropriately may have been brought into the spotlights several times (Beale & Cude, 2017;eMarketer, 2014;Paul, Nolan, & Smith-Hunter, 2017;Sorooshian & Teck, 2014;Wang & Xiao, 2009). Concerns in regards to the sufficiency of these financial aids and how it was utilized, were given many attentions (Abdullah & Ibrahim, 2007;Avery & Turner, 2012;Beale & Cude, 2017;Ismail & Zainal, 2004;Lynch, Best, Gutierrez, & Daily, 2018).…”

“…Issues on whether these funding were spent appropriately may have been brought into the spotlights several times (Beale & Cude, 2017;eMarketer, 2014;Paul, Nolan, & Smith-Hunter, 2017;Sorooshian & Teck, 2014;Wang & Xiao, 2009). Concerns in regards to the sufficiency of these financial aids and how it was utilized, were given many attentions (Abdullah & Ibrahim, 2007;Avery & Turner, 2012;Beale & Cude, 2017;Ismail & Zainal, 2004;Lynch, Best, Gutierrez, & Daily, 2018). However, interpreting the word 'need' itself may have been diverse due to varying lifestyles and perceptions on money.…”