How to Incorporate Fin Lit on your campus

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1 How to Incorporate Fin Lit on your campus

2 The Florida Department of Education, Office of Student Financial Assistance (OSFA) serves as the administrator of state grants and scholarships AND provides support for education partners through a comprehensive financial counseling program called Navigating Your Financial Future.

3 Students are confused with these two vocabulary words: NEEDS vs. WANTS. Nearly 33% of high school SENIORS have a credit card of their own or co-signed by a parent. Jumpstart Coalition While 71% of parents know the importance of teaching financial skills to their teens, only 20% actually do. Charles Swab 2008 Parents and Money Survey

4 Florida s average student loan debt is: $25,250 Project Student Debt Average debt for law students: Public: $68,827 Private: $106,249 American Bar Association Statistics for Average debt for med students in 2010: $157,944 American Medical Association Medical Student Debt Statistics

5 76% of undergrad students have a credit card. Average credit card debt: $2,200 Average outstanding credit card balance for grad students is $8,612 Nellie Mae Study Statistics Employers are increasingly using credit scores and credit reports in making hiring decision.

6 More people are living from one unfunded emergency to the next, one paycheck or unemployment check to the next. Notice the commercials: I m in debt up to my eyeballs! Free credit report.com Sell your gold at Treasure Hut!

7 Cash Flow/Budgeting Credit: Maintaining good credit Debt Management Risk Management: Insurance Investing & Retirement Planning Financial Literacy National Standards

8 Promote proactive money management which in turn will reduce reactive crisis responses by educating young adults in the areas of budgeting, emergency fund savings, and credit monitoring. HOW does one do this???

9 Require Financial Literacy counseling online or in person before disbursement of financial aid Offer a one hour Money Mgt session at New Student Orientation with more financial topics throughout the semester Incorporate into Student Success classes Offer sessions in dorms

10 Offer sessions during free times such as lunch or evenings Collaborate with SGA to advertise events and/or provide food. Assign pre-work session prep packets to help with attendance. Utilize alumni as speakers (i.e. Psychology majors hear from a psychologist regarding financial issues involved when setting up a clinical practice.)

11 Offer food and prizes: Credit sessions - paper shredders Budgeting sessions Calculators/office supplies or Turbo Tax Make sure other logistics are squared away: Room reserved AV equipment set up Evaluations and Handouts ready

12 Suffolk University Law School: Get $mart program Georgetown Law: Life after Georgetown Law program Texas Tech: Red to Black program Florida State College of Jacksonville: NyFF Financial Literacy Counseling Tallahassee Community College: NyFF Financial Literacy Counseling

13 Financial Literacy Managing Your Budget Managing Your Credit Repayment of Your Student Loan Debt Financial Aid School and Life Management Career Planning

14 Dedicated Outreach Representative assigned to your region in Florida Direct contact no waiting for the next available representative Working together lightens the load and the budget.

15 We believe that direct communication with students is the key to successful debt management and default prevention. Our partnerships/sponsorships are YOURS free of charge: Mapping Your Future PBS Your Life Your Money

16 You speak we listen. Many of our workshop topics have been at the request of partnering institutions. We have the capability of customizing our financial workshops to meet the needs of your students.

17 What do YOUR students need? What are the areas of expertise already on campus? What can your staff handle? Who can provide support? (OSFA) Which office will take the lead? Financial Aid, Student Activities, Admissions, etc. What challenges do you anticipate?

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