Evaluation of Student Financial Services and Practices
From Extension Collaborative Wiki
Student Financial Practices and Services
NDSU
For each financial practice, please circle the number that best describes your current behavior.
- 1-I am not considering this
- 2-I am considering this
- 3-I am doing this sometimes
- 4-I am doing this most of the time
- 5-I am doing this all of the time
Financial Services
1. Using checking account to pay bills/expenses.
2. Using credit card to pay bills/expenses.
3. Using cash to pay bills/expenses.
4. Using debit card to pay bills/expenses.
5. Using smart card to pay bills/expenses.
6. Using Internet banking for paying bills.
Financial Practices
1. Avoiding check bouncing.
2. Balancing your checking account on paper.
3. Balancing your checking account on line.
4. Comparing online banking fees and services.
5. Identifying ATM fees associated with withdrawals.
6. Comparing services and costs at banks and credit unions.
7. Checking account balances using online banking services.
8. Deducting ATM service fees and withdrawals from account balances.
9. Avoiding pay-day lenders.
10. Avoiding rent-to-own purchases.
11. Asking what the fees are on current new loans.
12. Determining the cost of a loan (fees and interest, APR).
13. Comparing the APR (Annual Percentage Rate) and fees on different loans.
14. Saving regularly to achieve your goals.
15. Comparison shopping when making purchases.
16. Prioritizing spending.
17. Comparing costs and benefits of various credit cards before applying for a credit card.
18. Paying bills on time.
19. Reviewing credit report every year.
20. Checking credit card bill against receipts every month.
21. Protecting personal identity and financial information.
22. Reviewing all credit card bills and loan statements for accuracy.
What is your age?______
What is your hometown zip code?______
How many hours per week do you work?
____ 0 hours/week (Not working)
____ 1-20 hours/week
____ 21-30 hours/week
____ 31-40 hours/week
____ More than 40 hours/week
What was your annual household income last year before taxes (including all sources of income)?
____ $0 (Not working)
____ $1-$10,000
____ $10,001-$20,000
____ $20,001-$30,000
____ $30,001-$40,000
____ More than $40,000
How many people live in your household? _____
How would you rate your overall level of financial knowledge?
____ Very poor
____ Poor
____ Fair
____ Good
____ Excellent
Where have you gone to find financial information in the past? (Check all that apply)
____ Workshops
____ Financial professional
____ Formal course
____ Financial institution
____ Internet
____ Family and friends
____ Books, newspapers, etc.
____ Library
____ Cooperative Extension
____ Other _________________
____ Have not gone to find information
How do you typically pay for day-to-day purchases? (Check the method you use most often)
____ Cash
____ Check
____ Credit card
____ Debit card
____ Smart card
____ Other ________________________________
How do you prefer to receive financial information? (Check all that apply)
____ Classroom instruction
____ Workshops/seminars
____ One-on-one financial counseling
____ Printed materials
____ Internet
____ Electronic materials such as CD-ROMs
____ Distance education
____ Other _______________________
What financial topics are you most interested in learning more about? (Check all that apply)
____ Budgeting
____ Debt Management
____ Savings and Investments
____ Homeownership
____ Retirement and Estate Planning
____ Consumer Protection and Identity Theft
____ Risk Management and Insurance
____ Taxation
____ Other_________________________
Do you have a checking account?
____ Yes
____ No
Do you have a savings account?
____ Yes
____ No
Are you carrying a balance on your credit cards?
____ Yes
____ No
If so, what is that balance?
What is your current student loan debt?
What is your current marital status?
____ Married
____ Living with a partner
____ Separated
____ Divorced
____ Widowed
____ Single/Never married
What is your ethnicity?
____ African American/Black
____ Asian
____ Hispanic/Latino
____ Native American
____ White (non-Hispanic)
____ Multi-Racial
____ Other __________________________
What is your current GPA?
____ 3.6 - 4.0 +
____ 3.0 - 3.59
____ 2.6 - 2.99
____ 2.0 - 2.59
____ Lower than 2.0
What year are you in school?
____ Freshman
____ Sophomore
____ Junior
____ Senior
____ Graduate Program - MS
___Graduate Program - PhD
Other ______________________
Are you currently a full-time or part-time student?
____ Full-time
____ Part-time
____ Other
Have you ever taken a course related to personal finance?
____ Yes
___ No
If yes, what type of course was it? (If more than one course, check all that apply.)
____ Consumer Education
____ Economics
____ Business
____ Other _____________
Thank you for completing this evaluation.
We appreciate your help as we strive to improve our educational programs.
