As China moved from elite to mass higher education, student borrowers as the product of state intervention have surged. Yet little attention has been paid to their voices. This study conducts reflexive thematic analysis with a qualitative inquiry into lived experiences of 41 current borrowers. A five-factor typology of debt attitudes yields a…

With rapid economic development, financial literacy plays an increasingly important role in helping individuals navigate the complexities of modern financial systems and products. The importance of financial literacy is particularly pronounced in China, one of the largest economies in the world, especially for university students who are…

Credit cards have become a common method of payment for college students in China. It is important that they form good credit card usage behaviors and build a good credit history early in their financial life. Using data collected from 10 universities in China, results of this study found that being financially dependent on their parents is…

Campus loans have become a part of the lives of Chinese college students. While such loans are convenient for students, they can also create considerable difficulties. In the context of unbalanced economic development between Western and Eastern China, this study aimed to understand the factors affecting the campus loan behaviors of college…

Student loans schemes are in operation in more than seventy countries around the world. Most loans schemes benefit from sizeable built-in government subsidies and, in addition, are subject to repayment default and administrative costs that are not passed on to student borrowers. We probe two issues in this paper, for 44 loans schemes in 39…

Among the 25 refereed papers, 14 refereed poster sessions, 17 invited papers, and 14 panel/workshop sessions are the following: "Forces Driving Change in Food Safety" (Foreman); "Are Two Incomes Needed to Get Ahead Today?" (Walden); "Financial Manager Profile Scale" (Lytton, Grable); "Real World Financial…

This proceedings contains the texts of 5 invited papers and 28 refereed papers. The following are among the papers included: "Consumer Interest in the 1990's and Beyond" (Turner); "Esther Peterson and the Consumer Movement" (Galbraith); "The Public's Right to Government Information" (English); "Partnerships in…