There are always companies looking for students and young adults to work for them. But as of late, it has become extremely more difficult to get a job. In the past, when many young adults wanted to get a job, they were usually able to get the job very easily. Either through in person or through calling. Because they were able to get the job that they wanted quite easily, they were given money and the responsibility of managing that money quite early on. Now, in the present time, students and young adults who are looking for a job or company to work for, find it very difficult and extremely frustrating. To them, it seems like a lot of places are hiring for new recruits but they barely accept anyone. Because these job-seeking students and young adults are unable to attain a job and get steady income, they are unable to know how to manage any money that they receive. Also, many students and young adults do not learn or know anything about money or financial terms because they are not taught any of this through school or through parents. Because of this epidemic of students not knowing any financial knowledge that could help them, universities should help students with learning more about finance and understanding how the process of financing goes.  In the Time magazine article, “Today’s College Students Could Be the Most Financially Responsible Generation Ever”, Mulhere discusses three reasons as to why college students of today could be more financially responsible. The first reason talks about how they are watching their spending. Students are making savings more of priority and watching their spending. The second reason is they use a credit card smartly. The third reason is they are eager to learn more about managing their money. While Mulhere gives these reasons she also states, “Less than a third of survey respondents answered all three questions correctly—and, ironically, the students who rated their money management skills the highest were the least likely to do so.”1 So, despite this only being a quiz, even though many students believe they have good money management experience, they still do not put them into practice and fail to do well financially. A solution for students to put their money managements skills to the test is by keeping track of their expenses, using their money smartly and not waste it on things they will regret later on, and search for more information on the topic so they can continue to put their skills to good use.  Once students are in college, while they want to have fun and hang out with friends and spend money, they also get pushed on top of them the burden of having to pay off loans and university tuition. Due to this burden always being in the back of the minds of many students, this means that students need to learn how to manage their money so they are able to pay off bills. In the study called “Money Management Practices of College Students” by Reasie A. Henry, Janice G. Weber, and David Yarbrough, at the University of Louisiana at Lafayette, they conducted a questionnaire to figure out how college students at this particular university, did well when it came to money management. Data was collected from both graduate and undergraduate students. They came to the results of “women were more likely to have a budget than men, graduate students had more debt than undergraduate students, and married students were more likely to follow a budget”2. In conclusion, despite only the study focusing on the budgeting aspect of money management, the data shows that college students are more likely to come upon a “financial crisis”3. A solution for college students to learn more about the different aspects of money management, the institution in which they attend should offer a simulation in which they can practice different aspects of money management and successfully use what they have learned and apply it to their own financial situations.  While college students should receive help in learning about money management, they are also at fault for not trying to pursue knowledge of the topic themselves. In the source, “Money Management Practices of College Students,.”, researchers “Chen (1998) blames the colleges for not providing financial managements courses for students.”4 They argue that colleges should give help and provide guidance to students about their financial needs and management. However, while colleges can and should provide help to college students about this important topic, many students fail at finding knowledge and resources on the topic themselves in order to learn how to become financially responsible. College students should put in the work of also finding different information on managing their money because truth be told, not everything in life will be given on a silver platter. By students putting in effort to learn more about the different ways of managing their money then they would not only be able to apply it to their current financial situations but they would also keep that knowledge with them in the long run which can be beneficial for them in the future. One question that could be considered about teaching financial management to students is can peer interaction help with money management? In the article from PBS Newshour, “Can Students Improve Financial Management with Help from Peers?”, the writer, Timothy Pratt, discusses about how when learning about finances, especially for the first time, students would feel stressed when trying to learn from someone that is not in their point of view. When students are learning for the first time how to fill out the FASFA for college, or learning about how to budget and save money, many try either with their parents or by themselves. With parents, many students could feel lost as to what to do the same with their parents. “My parents would ask me, ‘You don’t know the answer to this?'” That was more stressful, she said.”5 Students feel overwhelmed at the process of learning about finances and they need help in knowing more about this topic. If students head to a place where they can receive that knowledge along with other peers, then they most likely feel less stress and more knowledgeable about a very important topic. “”Students would rather listen to someone who’s in their own shoes or in a similar situation tell them about their finances,” said Elizabeth Coogan, senior advisor in the federal student aid office of the U.S. Department of Education.”6 When being told about something, people feel more comfortable knowing that someone is in their shoes, going through the same thing that they are going through and they feel a connection with the story that is being told. That is the same with students. A solution for students to gain financial knowledge without feeling stressed, is by setting up different opportunities for them to speak with someone who is going through the same situation as them and let them connect and learn more about their own situation.  While students are in college with the burden of paying off loans and tuition and the heavy work load of a typical college semester, they might, depending on the student, develop anxiety and stress. Due to this development of anxiety and stress, it can also affect other aspects of their lives especially financially. In the study called Financial Knowledge and Aptitudes: Impact on College Student’s Financial Well-Being by S. Fiona Chan, Albert Wai-Lap Chau, and Kim Yin-Kwan Chan, they conducted a study on Hong Kong college students to assess the students “attitudes towards debt”, and their “financial knowledge and well-being.” The researchers used “a model of money management” in which they created a questionnaire to determine the students attitude towards money, measure the usage of credit cards, “perception of their knowledge on money management”, and to “assess financial stress.” They concluded that while “our data did not reveal any serious financial problems among university students in Hong Kong, quite a number of them did report financial stress which tended to impact the quality of their academic learning.”7 A solution for college students to handle stress when it applies to money management can be for universities to provide students with financial knowledge and ways they can use that knowledge to their benefit.  Many college students face many burdens when it comes to finances, either through trying to pay off debt, managing their money, or handling financial stress. While college students do have to learn about finance, it would be better if universities could help push students along by providing aid to students so they can know more about the financial situation that they are in. Even if colleges and universities fail to provide this aid, students should also try to put more effort into learning and improve their financial vocab and knowledge by themselves. 

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