READY TO GET CONTROL OF YOUR FINANCES?
Visit our blog for hundreds of tips, ideas and resources especially designed to improve your money-management skills.
"THE SECRET OF GETTING AHEAD IS GETTING STARTED." -Mark Twain
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Welcome to $tart with Change

$tart with Change is a student-oriented financial website and online community dedicated to helping students learn money management and budgeting skills. $tart with Change is designed to give you the information, advice, tools and resources you need to be a smarter money manager, and to help you make better, more informed financial decisions.

STUDENTS WHO:

CHECK THEIR ACCOUNT BALANCES DAILY
62%
LIVE PAYCHECK TO PAYCHECK
16%
HAVE USED A MONEY MANAGEMENT APP OR EDUCATIONAL PROGRAM
14%

Source: Money Matters on Campus, 2015

We’re Here to Help

Handling your own finances for the first time can be a little scary, and learning about money management can be intimidating. But even if you don’t know what you’re doing or have fallen into some bad habits, we’re here to help. The time to start making changes is now—because even small changes can make a big difference.

Become a Smarter Money Manager

Dive into articles and information on:

Financial Aid

Key information about applying for financial aid, finding financial help and managing your student loan debt.

Student Financial News

The latest news affecting your finances.

Affordable Fun

Ideas for cost-effective entertainment including shopping, travel, dining out, activities for kids and more.

Credit & Debt

Everything you need to know about loans, credit, and how to monitor, understand and improve your credit score.

Budgeting & Savings

Valuable tips and advice for better money-management.

Careers & Jobs

Advice, news and tips for post-graduation.

How To

Step-by-step instructions on everything from using a checking account to finding a scholarship to booking travel.

Challenges & Contests

Test your skills, win valuable prizes and have a little fun!

STUDENTS AND MONEY MANAGEMENT

Stress over anticipated student debt continues to grow as students remain underprepared to manage it. It is more important than ever for college students to be equipped with the knowledge, perspectives, skills and habits to successfully navigate the fiscal burdens that stand in the way of their financial independence.

58

58

Percentage of students that say they were prepared to handle their money when they entered college, compared to 73% that were prepared to keep up with coursework.

Source: Money Matters on Campus, 2015

69

69

Percent of students graduating from public and private nonprofit colleges who had student loan debt.

Source: The Project on Student Debt, The Institute for College Access & Success, 2014

$28,400

$28,400

Average student loan burden for new graduates.

Source: The Project on Student Debt, The Institute for College Access & Success, 2014

11.3

11.3

Percentage of student loans that were delinquent in the fourth quarter of 2014, compared to 7.3% of credit card debt and 3.1% of mortgages.

Source: Quarterly Report on Household Debt and Credit, The New York Federal Reserve, 2015

31

31

Percentage of college students who left school who say they did so because of the costs of tuition and fees.

Source: With Their Whole Lives Ahead of Them, Public Agenda for the Bill & Melinda gates Foundation, 2009

WHAT OUR STUDENTS SAY

  • I have started to become more conscientious of my money and I have planned to save some. It feels good to know that I'll have a little for a rainy day and those unexpected events in life!

    Renae
  • I took a look over my spending habits, and I realize I spend way too much on dining out. However, buying groceries and paying bills were next on the list. I learned from $tart with Change that I should limit my dining expenses and curb what I’ve been spending at the grocery store. $tart with Change gave me some useful tools I plan to utilize. Thank you.

    Michelle
  • Living within your means can definitely promote a healthy lifestyle. In addition, having minimal or no debt can create more opportunities to invest your money and watch it grow.

    Nichole

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