Differences in spending habits and credit use of college students

Celia Ray Hayhoe, Lauren J. Leach, Pamela R. Turner, Marilyn J. Bruin, Frances C. Lawrence

Research output: Contribution to journalArticlepeer-review

207 Scopus citations


In a study or college students, affective credit attitude (feeling about using credit cards) and gender influenced college students' credit purchasing. Affective credit attitude predicted the purchase of clothing, electronics, entertainment, travel, gasoline, and food away from home. Females purchased clothing; males purchased electronics, entertainment, and food away from home. Gender was more influential in predicting financial management practices than was affective credit attitude, with female students employing a greater number of financial practices. A path analysis model showed gender differences in the relationship between financial practices, financial stress, affective credit attitude, and the number of credit cards with a balance.

Original languageEnglish (US)
Pages (from-to)113-133
Number of pages21
JournalJournal of Consumer Affairs
Issue number1
StatePublished - 2000


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