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American Focus > Blog > Education > Now on the College Course Menu: Personal Finance
Education

Now on the College Course Menu: Personal Finance

Last updated: January 10, 2025 8:56 am
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Now on the College Course Menu: Personal Finance
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Personal finance education is becoming increasingly important in colleges across the United States. Sean Karaman, a freshman at the University of Nevada, Las Vegas, realized the importance of managing his finances after taking a personal finance course on campus. He now pays closer attention to his credit card spending and relies on his debit card for most transactions.

According to the Council for Economic Education, more than two-thirds of states now require high school students to take a personal finance class before graduation. This trend has extended to colleges, where personal finance courses are being offered as electives to help students navigate the complexities of managing their money.

Stanford University has spearheaded a new initiative to promote personal finance education at the college level. The program, led by economist and financial literacy researcher Annamaria Lusardi, aims to equip students with the knowledge and skills needed to make informed financial decisions. With a generous donation from Charles R. Schwab, the initiative collaborates with colleges to provide instructional materials and mentoring to students.

The courses offered vary by institution but typically cover essential concepts like compound interest, the time value of money, borrowing, credit scores, and investing principles. Students are encouraged to analyze various financial scenarios, consider trade-offs, and understand the impact of taxes, fees, and inflation on investment returns.

While some critics argue that financial literacy education may not address the systemic issues within the American financial system, proponents believe that it is essential for individuals to navigate the rules as they currently exist. Financial instruction is not a panacea for financial distress, but it can empower students to make better financial decisions and understand the complexities of personal finance.

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Overall, personal finance education in colleges has shown positive effects on financial knowledge and behaviors. Students like Sean Karaman and Alexandrea Coe have benefited from these courses by gaining a deeper understanding of financial concepts and developing crucial money management skills. As more colleges embrace personal finance education, students are better equipped to handle their finances and make informed decisions for their future.

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