The overall effectiveness of the information is believed to increase engagements with young people, thereby providing improved opportunities for behavior change. Ignorance and misinformation cannot be a factor in loan defaults, simply because students realize that loan repayment is required ( Volkwein et al., 1998). Usually, students gather information from parents who can influence their children directly through discussions (Ward et al., 1997). Moreover, based on the information they have, parents can influence positive habits on their children. These hypotheses can be formulated in the following way: