Multiple regression analysis indicated students’ grade point average (GPA), having a credit card, year in
college, ethnicity, and the marital status of their parents explained 8% of the variance in their financial fitness
scores. Students were more likely to be financially fit if they had higher GPAs or had parents who were married.
Students were more likely to be financially at risk if they had a credit card or were a minority or college senior. Note
that these findings are preliminary, and additional analysis is currently underway.