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Eastern Illinois University - Charleston, IL Tuesday, May. 13, 2008

Finance Survey

Eastern Illinois University Financial Health Education Needs Assessment Survey
Part 1: Demographics
1. Gender


2. Age




3. Ethnic Background:










4. Residence:








5. What is your marital/family status?





6. Employment?




7. On average how much do you earn per month (After taxes)?







8. Class status:





9. Full or part time student:


10. Cumulative grade point average (GPA)






What is your major?


























































Part 2: Behavior Please choose your response to the following. "Within the last year, have you..."
12. Set Up A Monthly Budget?






13. Overdrawn your bank account






14. Been unable to pay your bills yourself






15. Applied for a credit card, received it and used it; without knowing how the card company charges you interest and fees






16. Been late on a credit card payment






17. Opened a loan






18. Checked your credit report






19. Shredded your mail with your personal information on it?






20. Carried documents in your wallet/purse/backpack that contain your social security number (including your social security card)






21. Gambled






22. Made excuses or lied so you could gamble






Please select the response that indicates the frequency (amount of times) of the following:
23. I play bingo (all forms that involve money, including on line versions).











24. I play poker (all forms that involve money, including on line versions).











25. I bet on sporting events (all forms that involve money, including on line versions).











26. I check my accounts statements.











27. I check my credit report.











28. I shred my mail.











Part 3: Attitude Information

Please select the response that indicates how you feel about the following:

29. I feel budgeting is important.






30. I feel it is important to balance my bank account.






31. I feel stressed about paying bills.






32. I feel that it is important to understand details of how a credit card company charges you interest and fees before you open an account with that company.






33. I feel it is important to pay my bills on time.






34. I feel it is important to not accumulate too much debt while in college.






35. I feel it is important to check my credit report and least once a year.






36. I feel that I protect my personal, and that identity theft will not happen to me.






37. I feel I am cautious with my personal information.






38. If I were to gamble, I would budget accordingly.






39. I am worried about my gambling habits.






Part 4: Knowledge

Please choose your response to the following statements:

40. I know the difference between a fixed and a variable expense.






41. I know what a debit card is.






42. I know the purpose of a credit report.






43. I know If I report unauthorized charges on my credit card, I am required to pay $50.






44. I know the cost of a credit report.






45. I know what APR is.






46. I know some of the more recent ways identity thieves are stealing personal information.






47. I know how to place a fraud alert.






48. I know signs of a gambling problem.






Please choose the appropriate response.
49. A utility bill is an example of a fixed expense.



50. A debit card is an electronic form of a check.



51. The purpose of a credit report is to collect credit history.



52. If a credit card is reported missing, under federal law, consumers are only liable for up to $500 in unauthorized charges.



53. Consumers may receive three free credit reports per year.



54. Annual percentage rate stands for the actual percentage rate that you carry on a balance per year.



55. Skimming is a method identity thieves use to capture your personal or account information from your credit card, driver’s license, or even passport.



56. Call the police to place a fraud alert.



57. “Chasing losses” is a sign of a gambling problem.



Part 5: Financial/Payment Information
Please indicate the correct response
Question: What one method is most often used to pay for your:
58. Tuition and student fees









59. Apartment, housing, residence hall, home (living arrangements)









60. Utilities (e.g. electric or gas, cable, trash, water)









61. Entertainment









62. Transportation (e.g. car payments)









63. Phone bill









64. Clothing









65. Personal hygiene items









Part 6: Financial Education Assessment
Please indicate the appropriate response.
66. Have you ever had a financial education course/class that covered any of the following topics?












67. Did you feel the financial education you received during the course/class was sufficient?



68. What topics would you like to receive more financial education courses/classes on?








Part 7: Saving, Credit Card, and Debt Assessment
Please indicate the response that applies most to you:
69. How much money per month do you put into a savings or future planning account?





70. How many credit cards do you have?





71. How much credit card debt do you have?










72. How much do you owe in student loans?











Thank you for your participation any questions call the Health Education Resource Center at 217-581-7786 or email at herc@eiu.edu.


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