{"id":145,"date":"2022-09-09T09:12:23","date_gmt":"2022-09-09T07:12:23","guid":{"rendered":"https:\/\/oxfordwisefinance.com\/blog\/?p=145"},"modified":"2024-11-25T07:47:23","modified_gmt":"2024-11-25T06:47:23","slug":"7-common-financial-issues-for-college-students","status":"publish","type":"post","link":"https:\/\/oxfordwisefinance.com\/blog\/7-common-financial-issues-for-college-students\/","title":{"rendered":"7 Common Financial Issues for College Students"},"content":{"rendered":"

As a college student, you may think that covering your tuition is your biggest financial hurdle. However, several other money-related problems can pop up and derail your plans. A <\/span>recent study<\/span> found that 51% of college students dropped out of school because of financial issues.\u00a0<\/span><\/p>\n

Financial issues for college students can range from unexpected emergencies to a lack of financial literacy. You can be better prepared to avoid the most common<\/a> problems by learning about them.\u00a0<\/span><\/p>\n

7 Prevalent Financial Issues for College Students (And Their Solutions)<\/span><\/h2>\n

Financial issues for college students can range from being unprepared for emergency expenses to not knowing how to manage their money. Below are some of the most common finance problems (and solutions):<\/span><\/p>\n

1. College Students May Not Consider All Education-Related Expenses<\/span><\/h3>\n

When planning for college, many students focus on the major expenses: tuition and room and board. However, other education-related expenses can add up. If you\u2019re not prepared, you could end up struggling financially and have difficulty making ends meet.\u00a0<\/span><\/p>\n

What to Do:<\/a><\/b>
\nMake sure you have a plan that accounts for all of your expenses, including textbooks, classroom supplies, class fees, transportation, car insurance, and healthcare. If you aren\u2019t sure where to start, talk to your school\u2019s financial aid office to find out what the typical student budget is; a financial aid representative should be able to tell you the <\/span>cost of attendance<\/span> for your program.\u00a0<\/span><\/p>\n

2. Students May Not Know How to Use Credit Cards Wisely<\/span><\/h3>\n

For college students, <\/span>credit cards<\/span> can be a major problem. According to a <\/span>2022 College Pulse and Inside Higher Ed<\/span> study, 23% of college students had credit card debt.\u00a0<\/span><\/p>\n

Why is credit card debt so prevalent? As a college student, you may have access to a credit card for the first time in your life. And if you don\u2019t know how credit<\/a> cards work, you can quickly rack up debt, and your balance can grow due to high interest rates.\u00a0<\/span><\/p>\n

What to Do:\u00a0<\/a><\/b><\/p>\n

To avoid costly interest charges, try to pay your statement balance in full every month \u2014 not just the required minimum payment.\u00a0<\/span><\/p>\n

Only use your credit card for essential purchases to ensure the payment is manageable. For example, you can use your card to pay for gas for your car so you can get to class or buy groceries for the week, but don\u2019t use your card to pay for dinners out with friends or for spring break trips.\u00a0<\/span><\/p>\n

3. They May Not Have a Source of Income<\/span><\/h3>\n

When you\u2019re in school, you may be overwhelmed by coursework, and the idea of working may seem impossible. But not having a source of income beyond your financial aid package can make it challenging to cover your expenses, and you won\u2019t have any extra cash<\/a>. Without an income stream, an emergency expense could leave you scrambling to cover the bill, and you could turn to expensive debt like credit cards or auto title loans<\/a>.\u00a0<\/span><\/p>\n

What to Do:\u00a0<\/b><\/p>\n

Consider picking up a <\/span>part-time job<\/span> \u2014 even working just one evening a week \u2014 or taking on a <\/span>side gig<\/span> where you babysit, walk dogs, deliver groceries or drive for a rideshare service. You can save your earnings for emergencies, and your income can give you more money for discretionary purchases \u2014 like your spring break plans. As a bonus, working in school gives you something to put on your resume, making it easy to secure an internship or a job after graduation.\u00a0<\/span><\/p>\n

4. College Students May Not Utilize All Financial Aid Resources<\/span><\/h3>\n

In a study, <\/span>30% of college students said they had never contacted the financial aid office<\/span>. That can be a significant problem. The financial aid department can be invaluable and connect you to institutional aid, private student loans<\/a>, and even emergency grants or loans provided through the school.\u00a0<\/span><\/p>\n

What to Do:\u00a0<\/b><\/p>\n

Reach out to your financial aid<\/a> office as soon as you realize money is tight. You may be eligible for additional loans. And at some schools, you may qualify for an emergency grant or loan<\/a> if you have an unexpected expense \u2014 such as a medical bill or car repair \u2014 threatening your education.<\/span><\/p>\n

5. They May Not Know How to Create a Budget<\/span><\/h3>\n

College may be the first time you\u2019re responsible for managing your money.\u00a0 If you don\u2019t know how to create a budget or track your spending, it can be easy to overspend and end up in debt.\u00a0<\/span><\/p>\n

What to Do:\u00a0<\/b><\/p>\n

Creating a budget<\/span> doesn\u2019t have to be complicated. Start tracking your money from a part-time job. Then list your expenses, such as rent or cell phone bills. Once you have a handle on your spending, you can develop a budget that works<\/a> for you.<\/span><\/p>\n

Many helpful <\/span>budgeting tools<\/span> and apps are available to make the process easier, such as <\/span>Mint<\/span> or <\/span>You Need a Budget<\/span>.\u00a0<\/span><\/p>\n

6. Students Often Miss Out on Gift Aid<\/span><\/h3>\n

Many students miss out on valuable financial aid through grants and scholarships. For example, the National College Attainment Network reported that <\/span>$3.75 billion in Pell Grants went unclaimed in 2021<\/span>.\u00a0<\/span><\/p>\n

What to Do:\u00a0<\/b><\/p>\n

For a student struggling with money, gift aid can be a lifesaver. To ensure you don\u2019t miss out, fill out the <\/span>Free Application for Federal Student Aid (FAFSA).<\/span> You can also contact your financial aid office to see what institutional grants or scholarships are available.<\/span><\/p>\n

You should also research financial aid opportunities offered by non-profit organizations or companies. You can find available grants and scholarships using <\/span>CareerOneStop<\/span> or <\/span>The College Board\u2019s scholarship tool<\/span>.\u00a0\u00a0<\/span><\/p>\n

7. They May Not Have Basic Financial Literacy Skills<\/span><\/h3>\n

Financial literacy isn\u2019t always taught in high school,\u00a0 so many college students enter school without a good understanding of personal finance. This can lead to problems like not knowing how to create a budget and not understanding how interest rates affect your student loan<\/a> repayment.\u00a0<\/span><\/p>\n

What to Do:\u00a0<\/b><\/p>\n

Spend some time on your own learning the fundamentals of personal finance. Your college\u2019s office for student services may have some resources for you. Still, you can also find free courses from <\/span>360 Degrees of Financial Literacy<\/span>, a program offered by the American Institute of CPAs.\u00a0<\/span><\/p>\n

Preparing for College<\/span><\/h2>\n

Students often have difficulties adjusting to college life and managing money independently. The seven problems listed are some of the most common financial issues for college students, but there are ways to overcome these challenges. By utilizing financial aid resources, creating a budget, and learning the fundamentals of personal finance, students can make smart money decisions that will help them throughout their education and beyond.<\/span><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

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