 |
|
College Credit
Card Debt
|
Coefficients |
Lower 95% |
Upper 95% |
|
| Intercept | 2981.847 |
413.66 |
5550.02 |
| Visa | 172.236 |
-583.01 |
927.48 |
| Master Card | 1279.987 |
654.85 |
1905.18 |
| Discovery | -261.974 |
-1282.67 |
758.72 |
| American Express | -650.579 |
1727.18 |
- 426.02 |
| Often use card | 162.320 |
-216.01 |
540.64 |
| Card Payment | -1535.639 |
-2170.01 |
-901.26 |
| Own only 1 card | 542.466 |
-175.82 |
1260.75 |
| Owning multiple cards | -317.696 |
-868.21 |
232.82 |
| Grade level | 309.782 |
-93.03 |
712.60 |
| Currently Employed/in school | -110.281 |
-849.08 |
628.52 |
| Gender | -591.328 |
-1174.42 |
-8.25 |
| Marital Status | 369.885 |
-539.50 |
1279.27 |
| Living arrangements | -303.571 |
-629.78 |
22.63 |
We found that the 3 major factors were:
(1) If you pay off your credit card balance in full every month.
(2) If you are a male/female. Females will owe less on average.
(3) Oddly enough owning a Master Card is a factor. Those who own
a Visa, American Express, or Discovery actually owe less when the
other variables
remain constant.
We have concluded that the best way to owe less on credit cards
is to pay the credit card balance in full every month.
1
> College Student Credit Card Debt - Executive Summary
2
> College Student Credit Card Debt - Introduction
3
> College Student Credit Card Debt - Methodology
4
> College Student Credit Card Debt - Amount Owed by Grade
5
> College Student Credit Card Debt - Purposes for Credit Card
Usage
6
> College Student Credit Card Debt - Amount Owed by Grade Percentages
7
> College Student Credit Card Debt - Financial Assistance
8
> College Student Credit Card Debt - Male vs. Female
9
> College Student Credit Card Debt - Male vs. Female Purposes
10
> College Student Credit Card Debt - Best Predictors for Amount
Owed
11
> College Student Credit Card Debt - Pay in Full or Pay Minimum
12
> College Student Credit Card Debt - Living Status Correlation
13
> College Student Credit Card Debt - References
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