Descriptive statistics of the variables
| Variables | Minimum | Maximum | Median | Mean | Standard deviation |
|---|---|---|---|---|---|
| Age | 21.000 | 31.000 | 22.000 | 22.554 | 1.600 |
| Sex | 0.000 | 1.000 | 0.000 | 0.416 | 0.493 |
| BACKGROUND | 0.000 | 1.000 | 0.667 | 0.560 | 0.298 |
| STUDY PERFORMANCE | 2.000 | 5.000 | 4.000 | 3.881 | 0.681 |
| Talent management program | 0.000 | 1.000 | 0.000 | 0.255 | 0.436 |
| Budget surplus (THUF) | −250.000 | 632.000 | 15.000 | 22.272 | 107.224 |
| INDEPENDENCE | 0.000 | 1.000 | 0.500 | 0.456 | 0.285 |
| ASPIRATION | 0.000 | 1.000 | 0.500 | 0.462 | 0.217 |
| Patience | 0.471 | 0.964 | 0.930 | 0.893 | 0.101 |
| Risk tolerance (THUF) | 0.000 | 30.000 | 4.000 | 3.936 | 3.493 |
| No present bias | 0.518 | 1.512 | 1.000 | 0.963 | 0.124 |
| Knowledge: student loan | 0.000 | 1.000 | 0.250 | 0.361 | 0.318 |
| Knowledge: savings | 0.000 | 1.000 | 0.000 | 0.325 | 0.468 |
| Knowledge: arbitrage | 0.000 | 1.000 | 0.500 | 0.377 | 0.219 |
| KNOWLEDGE | 0.000 | 1.000 | 0.333 | 0.354 | 0.214 |
| Attitude: arbitrage | 0.000 | 1.000 | 0.333 | 0.379 | 0.226 |
| Behavior: student loan | 0.000 | 1.000 | 0.000 | 0.281 | 0.450 |
| Behavior: student loan + savings | 0.000 | 1.000 | 0.000 | 0.147 | 0.354 |
| Behavior: student loan + arbitrage | 0.000 | 1.000 | 0.000 | 0.069 | 0.254 |
| BEHAVIOR | 0.000 | 1.000 | 0.000 | 0.166 | 0.282 |
| Variables | Minimum | Maximum | Median | Mean | Standard deviation |
|---|---|---|---|---|---|
| Age | 21.000 | 31.000 | 22.000 | 22.554 | 1.600 |
| Sex | 0.000 | 1.000 | 0.000 | 0.416 | 0.493 |
| BACKGROUND | 0.000 | 1.000 | 0.667 | 0.560 | 0.298 |
| STUDY PERFORMANCE | 2.000 | 5.000 | 4.000 | 3.881 | 0.681 |
| Talent management program | 0.000 | 1.000 | 0.000 | 0.255 | 0.436 |
| Budget surplus (THUF) | −250.000 | 632.000 | 15.000 | 22.272 | 107.224 |
| INDEPENDENCE | 0.000 | 1.000 | 0.500 | 0.456 | 0.285 |
| ASPIRATION | 0.000 | 1.000 | 0.500 | 0.462 | 0.217 |
| Patience | 0.471 | 0.964 | 0.930 | 0.893 | 0.101 |
| Risk tolerance (THUF) | 0.000 | 30.000 | 4.000 | 3.936 | 3.493 |
| No present bias | 0.518 | 1.512 | 1.000 | 0.963 | 0.124 |
| Knowledge: student loan | 0.000 | 1.000 | 0.250 | 0.361 | 0.318 |
| Knowledge: savings | 0.000 | 1.000 | 0.000 | 0.325 | 0.468 |
| Knowledge: arbitrage | 0.000 | 1.000 | 0.500 | 0.377 | 0.219 |
| KNOWLEDGE | 0.000 | 1.000 | 0.333 | 0.354 | 0.214 |
| Attitude: arbitrage | 0.000 | 1.000 | 0.333 | 0.379 | 0.226 |
| Behavior: student loan | 0.000 | 1.000 | 0.000 | 0.281 | 0.450 |
| Behavior: student loan + savings | 0.000 | 1.000 | 0.000 | 0.147 | 0.354 |
| Behavior: student loan + arbitrage | 0.000 | 1.000 | 0.000 | 0.069 | 0.254 |
| BEHAVIOR | 0.000 | 1.000 | 0.000 | 0.166 | 0.282 |
Source(s): Authors’ own work