Press Release
Inceptia Releases Student Financial Behavioral Assessment Findings

Lincoln, Neb. (October 25, 2018) – Inceptia, a leader in uncomplicating financial aid for students and schools, shares their first multiyear research project regarding insight into students’ financial behaviors.


Inceptia is pleased to release The State of Student Finances 2018: Results from a Multiyear Assessment. Presenting results gathered from 20 months of data, this research brief provides insight from over 60,000 students concerning their everyday financial habits and capabilities.


The Financial Behavioral Assessment touches on five key areas: budgeting and spending, financial planning and protection, credit, banking, and student loans. Each of these areas present findings that can be a springboard for financial discussions.


"Gauging student knowledge tells you what they’ve learned; evaluating and assessing student behaviors reveals what they retained and applied," says Carissa Uhlman, Vice President of Student Success. "We had several findings in our survey that came as quite a surprise and were able to identify some key behaviors by hearing directly from students."


The findings challenge current perceptions on how students really budget, their knowledge of a healthy financial future, credit usage, and even how they bank. What we found is a disconnect between student self-ratings of financial knowledge, and how financial choices are made. Not only does this assessment provide insight into this juxtaposition, but it also offers valuable suggestions for using the results to better inform and shape financial education efforts.


Request your download of The State of Student Finances 2018: Results from a Multiyear Assessment research brief from Inceptia now.


Inceptia, a division of National Student Loan Program (NSLP), is a nonprofit organization committed to offering effective and uncomplicated solutions in financial aid management, default prevention, and financial education. Our mission is to support schools as they launch brilliant futures for students, armed with the knowledge to become financially responsible citizens. Since 1986, we have helped more than two million students at 5,500 schools reach their higher education dreams. Each year, we help more than 278,000 students learn how to pay for college, borrow wisely, resolve their delinquency issues, and repay their student loan obligations. Our solutions are designed to support student success by helping financial aid administrators maximize resources, so they can spend more time focusing on students.