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According to state and national studies*:

  • 84% of students said they needed education to increase financial literacy.
  • 92% of students who have credit cards used their cards to pay for some type of college expense. 
  • Many college students use credit cards to live beyond their means, and more than 3/4 incurred finance charges by carrying a balance.
  • 64% of students graduate with student loan debt, and of these students, 39% graduate with unmanageable debt.
  • 40% of students wished they had credit education programs as first-year students.

The Department of State Treasurer is partnering with the Community College System and other educational agencies to provide an online financial literacy tool for community college students. Advanced Money Management for Community College Students was designed to ensure that individuals who are continuing their education by enrolling in the community college system have the information and tools needed to make good financial decisions.

This resource will help students manage their debt and budget while furthering their education. The tool is offered in partnership with the State Education Assistance Authority and College Foundation of North Carolina.
College Foundation of North Carolina (CFNC) is a free service of the State of North Carolina that helps students plan, apply, and pay for college. CFNC is a partnership of Pathways, the N.C. State Education Assistance Authority, and College Foundation, Inc.


Student Aid on the Web is a resource provided by the US Department of Education.  The website contains tips and tools to help students plan and pay for education beyond high school. 
Need help paying for college? Start by completing the Free Application for Federal Student Aid (FAFSA). 
The Public Service Loan Forgiveness Program was created to encourage individuals to enter public service jobs. Under this program, you may qualify for forgiveness of the remaining balance on your eligible federal student loans.
The Understanding Taxes Student site provides activities, tax tutorials, word puzzles, tax trivia questions, simulations and assessments to help you understand the real world of taxes. Fourteen tax tutorials guide you through the basics of tax preparation including how to file your return electronically. The site also explains the how and why of taxes — how to apply tax principles, while explaining tax history and theory behind America’s tax system. The site provides tax-filing simulations that deliver real-life applications by putting you in the shoes of 20 different taxpayers as you help them file their taxes electronically.