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8 Tips for College Students Personal Finance 101

You understand GPAs and test scores but how can we help you better understand your credit score or the value of saving? The ABA's top 10 tips are designed to give students an edge on mastering personal finance.

  1. You are in charge. Being responsible for your finances, you should act accordingly by creating a realistic budget or plan and sticking to it.
  2. Watch Spending. You control your money, determining how you spend or save it.  Pace spending and increase saving by cutting unnecessary expenses, like eating our or shopping so that your money can last throughout the semester.
  3. Utilize Credit Wisely. Understand your responsibilities and benefits of credit.  Shop around for a card that best suits your needs.  How you handle your credit could affect you long after you graduate.
  4. Look for Money. Apply for scholarships and look for student discounts. 
  5. New is out. Consider buying used textbooks as opposed to new.  Used books are usually as good a shape as new ones.
  6. Entertain on a Budget. There are lots of fun activities to keep you busy in college and most are free to students.  Using your meal plan and trying new dishes instead of eating out will save a lot.
  7. Be judicious when it comes to money. Don’t just trust anyone with your money.  Be skeptical with classmates, friends and others who have ideas for your money.
  8. Save. Things happen and if you are financially prepared when your car or computer break down or when you need to buy the unexpected train ticket home. Even a small amount put away over time adds up.

Paying for College

It’s more important than ever for students and former students to make smart decisions about financing their college education. Whether you’re attending college soon, are a current student, or already have student loans, CFPB (Consumer Financial Protection Bureau) has put together some tools and resources to help you make the best decisions for you.

For information on Student Financial Guides, Student Banking, and Student Loans,

Learn More

How to Study

Succeed in high school and college with the latest study strategies and writing techniques. Get hints and tips for writing papers for your major and passing those final exams.  


Getting Ready

  • Organizational Tools
  • Study Environment
  • Goals
  • Will and Motivation
  • Learning Styles

How to Get Information

  • Time Management
  • Procrastination
  • Listening
  • Notetaking
  • Textbook Reading
  • Library Research
  • Concentration
  • Stress Management


  • Visual Organization
  • Memory Improvement 

How to take tests and handle anxiety.

  • Test Anxiety
  • Objective Tests
  • Essay Tests

How to Study

Protecting Your Child’s Privacy Online

As a parent, you have control over the personal information companies collect online from your kids under 13. The Children’s Online Privacy Protection Act gives you tools to do that. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule. If a site or service is covered by COPPA, it has to get your consent before collecting personal information from your child and it has to honor your choices about how that information is used.

To answer your questions to the following questions, click the COPPA link

  • What is COPPA?
  • Does COPPA affect the sites and services my kids use?
  • How does COPPA work?
  • What are my choices?
  • What if it looks like a site or service is breaking the rules?