College Life Challenges and Financial Literacy

<p>The combination of stress, close proximity, and academic pressure creates a perfect storm for student health issues. (C)</p> Signup and view all the answers

<p>Students are more concerned with achieving high grades than with gaining actual knowledge. (C)</p> Signup and view all the answers

<p>The transition to college marks a shift from a structured environment to a more independent one. (C)</p> Signup and view all the answers

<p>It hinders the potential for real learning and teaching within the institution. (A)</p> Signup and view all the answers

<p>20% (C)</p> Signup and view all the answers

<p>Private loans are typically more costly. (D)</p> Signup and view all the answers

<p>Make sure to pay your bills in full each month. (A)</p> Signup and view all the answers

<p>38% (A)</p> Signup and view all the answers

<p>26% (D)</p> Signup and view all the answers

<p>To protect consumers from unfair practices by credit card companies. (F)</p> Signup and view all the answers

<p>College Students. (E)</p> Signup and view all the answers

<p>Limited budgeting skills. (F)</p> Signup and view all the answers

<p>To make sure both parties are comfortable and consent to the activity. (B)</p> Signup and view all the answers

<p>Sober and verbal communication. (A)</p> Signup and view all the answers

<p>The human immunodeficiency virus (HIV) (C)</p> Signup and view all the answers

<p>Confronting the person directly if they make you uncomfortable. (C)</p> Signup and view all the answers

<p>To redefine sexual consent as an active and verbal process. (C)</p> Signup and view all the answers

<p>It weakens the immune system (C)</p> Signup and view all the answers

<p>Sharing needles (D)</p> Signup and view all the answers

<p>The perpetrator. (A)</p> Signup and view all the answers

<p>To slow the progression of the disease (A)</p> Signup and view all the answers

<p>Previous relationship conflicts. (A)</p> Signup and view all the answers

<p>Consent must be freely given without any coercion or pressure. (B)</p> Signup and view all the answers

<p>Kissing someone with AIDS (C)</p> Signup and view all the answers

<p>High-risk behaviors, regardless of group affiliation, are key to prevention (B)</p> Signup and view all the answers

<p>Legal consequences exist for engaging in sexual activity with an intoxicated person. (D)</p> Signup and view all the answers

<p>By testing all donors for HIV antibodies (D)</p> Signup and view all the answers

<p>To provide information about AIDS prevention and treatment (A)</p> Signup and view all the answers

<p>Bill (C)</p> Signup and view all the answers

<p>All of the above (D)</p> Signup and view all the answers

<p>Bill (D)</p> Signup and view all the answers

<p>The negative consequences of stress (B)</p> Signup and view all the answers

<p>His inability to help his friend (C)</p> Signup and view all the answers

<p>It is impossible to determine. (D)</p> Signup and view all the answers

<p>Financial constraints (A)</p> Signup and view all the answers

<p>To emphasize the various sources of stress experienced by college students. (A)</p> Signup and view all the answers

<p>21 (A)</p> Signup and view all the answers

<p>Prescreened credit offers (A)</p> Signup and view all the answers

<p>To regulate the terms and conditions of college affinity credit cards. (B)</p> Signup and view all the answers

<p>Providing financial education sessions to students. (C)</p> Signup and view all the answers

<p>To promote financial literacy and responsible credit card use among students. (B)</p> Signup and view all the answers

<p>Prohibiting the use of college logos on credit cards. (D)</p> Signup and view all the answers

<p>Banning all credit card marketing on campus. (A)</p> Signup and view all the answers

<p>Managing finances and avoiding excessive debt. (C)</p> Signup and view all the answers

The pressure and anxiety students experience from academic and personal challenges.

Feeling alone and disconnected from friends due to personal struggles.

The process international students go through when adapting to a new culture.

The stress caused by high expectations in school performance.

The ability to plan and control how much time to spend on specific activities.

The effect stress has on an individual's psychological well-being.

Networks of friends, family, and services that help individuals cope with stress.

Changes in life that require adaptation, such as starting college.

The significant changes and new responsibilities faced by students when they enter college.

Chores such as cooking, cleaning, and laundry that students must handle on their own.

The ability students must develop to cope with college stress and emotions.

The process of finding out who you are among new peers.

The additional pressures of academic performance, social life, and personal development.

The tendency for students and professors to prioritize grades over learning.

Health issues such as flu and heightened risks due to stress in college.

The alarming statistic indicating suicide as a leading cause of death among college students.

Human Immunodeficiency Virus, the cause of AIDS.

Acquired Immune Deficiency Syndrome, a late stage of HIV infection.

Infections that occur more frequently in individuals with weakened immune systems.

Azidothymidine, a drug used to slow AIDS progression.

Using multiple drugs together to treat HIV/AIDS.

Actions that increase the likelihood of contracting HIV/AIDS.

HIV spreads through bodily fluids like blood and semen.

False beliefs about how HIV/AIDS is spread.

The average debt for graduates was $39,950 in 2012, a 26% increase from 2008.

Private loans are often more expensive and lack protections compared to federal loans.

Using a debit card prevents overspending by accessing only available funds.

Timely payments minimize finance charges and prevent debt increase.

Reading fine print helps avoid surprises on interest rates and fees.

Only 38% of students prepare a budget, and less than a third adhere to it.

This law aims to protect consumers from unfair credit card practices.

The CARD Act includes restrictions about credit card access for those under 21.

Must include a co-signer over 21 or proof of independent ability to pay.

Card issuers cannot use credit reports to send unsolicited offers to those under 21.

Creditors cannot offer tangible gifts to induce credit card applications by students on campus.

Issuers must submit annual reports on college affinity card agreements to the CFPB.

The Consumer Financial Protection Bureau oversees credit card agreements and reports to Congress.

Institutions are encouraged to limit credit card marketing locations and offer financial education.

Institutions should include credit card and debt education in student orientation programs.

The stress of giving up old friendships and making new ones during college.

A mutual agreement for sexual activity that is clear and verbal.

Sexual assault by someone known to the victim.

Substances used to incapacitate someone for sexual assault.

Limits regarding what one is comfortable with in interactions.

Clear communication required for consent, free from intoxication.

Clear and specific verbal agreement for each step of sexual activity.

Listening to your gut feelings about people and situations.

A pre-established method for ensuring personal safety in social situations.