... suggest that focusing on modifying perceptions of social norms, and encouraging planning strategies to help students navigate settings that encourage spending, may be optimal for promoting effective student money-management. Originality/value To the best of the authors’ knowledge, this is the first...

... to take risky financial behaviors (Bolton et al., 2006). An experimental study found that a financial literacy intervention featuring lender-focused, as well as loan-focused information was able to help consumers understand debt consolidation loan advertising and encourage money management...