examined the credit card practices of college students using four different definitions
of financial risk: $1,000 or more in credit card debt, delinquent in credit card payments by two months or more, had
reached credit card limit on at least one card, and paid credit card balances in full only some of the time or never.
Across the four definitions, she found that gender, ethnicity, being financially independent, owing $1,000 or more in
other debt, and acquiring credit cards prior to or during the first year in college were just a few of the variables that
significantly determined a student’s level of financial risk.