iversity of Illinois at Urbanna-Champaign in Fall 2004 and at Louisiana State University, University ofGeorgia, and the University of Illinois at Chicago in Spring 2005. This paper reports the preliminary results forLouisiana State University (LSU) and University of Georgia (UGA) -- 5,000 LSU undergraduate students and 3,266UGA undergraduate students were invited to participate.Students were asked to select the response that best described how often they engaged in 10 specificfinancial management practices. Eight other questions were asked, including: “Who has had the most significantinfluence in shaping what you know and think about money?”To gain additional insights, in-depth focus groups also were conducted. At UGA, four focus groups wereconducted with three to five students in each. At LSU, there were four focus groups with about 10 students pergroup. In addition, at LSU responses to the 10 survey items about the students’ financial management practiceswere used to group students according to their use of the practices. A financial fitness score was generated for eachrespondent, taking into consideration the total number of items that were applicable to the respondent. The resultswere used to classify students as “not financially at-risk,” “somewhat at-risk,” and “financially at-risk.” At LSU,two focus groups were composed of students who were financially at-risk, and two focus groups were conductedwith students who were not financially at-risk. Using transcripts of the focus group discussions, the UGA and LSU
researchers independently identified the themes that emerged.
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