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Essay / Research Paper Abstract
The use of credit cards by students is increasing. This 12 page paper looks at why it is important to assess the way students perceive and use their credit cards, briefly looks at former research and shows how a questionnaire can be designed to explore developed hypotheses and then how these may be presented. The bibliography cites 8 sources.
Page Count:
12 pages (~225 words per page)
File: TS14_TEcreditstu2.rtf
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Unformatted sample text from the term paper:
as the impact of student debt on student health and results. However research is lacking when looking to assess the way the cards are used and the attitude towards credit
card use by students. This research indicates that contrary to the belief that students are careful with money, that the use of credit cards is not optimising the benefits for
many students. However, the results, which were out together using a quantitative methodology with telephone questionnaires, were achieved within only a three week period, without the use of testing and
usual controls, meaning that despite producing interesting results these may not be representation of the total population. Table of Contents 1. INTRODUCTION 2 2. METHODOLOGY 4
2.1 Research Hypothesises (Research Design Objectives) 5 2.2 The Questionnaire Design and Implementation 8 3. RESULTS 12 4. CONCLUSIONS AND LIMITATIONS 14 REFERENCES 15 1. Introduction There is little doubt that the level of student debt is
increasing, tuition and accommodation fees are rising (Marshall, 2005). There is also a change in the attitude of students towards debt with a rising number of students finding that debt
is acceptable and to be expected as apart of the student life experience (Chien and Devaney, 2001). The same research that shows a more accepting attitude of debt also indicates
that this is resulting in the use of credit cards and higher than ever before credit card debts with students paying higher levels of instalments in their debt (Chien and
Devaney, 2001). The level of knowledge regarding the use of credit cards does not appear to have increased (Chien and Devaney, 2001). In the United States there has been
the proposal of federal legislation that collage students applying for a credit card would require their parents or guardians to be co-obligors (Palmer et al, 2001). The reason for this
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