ABSTRACT We examined whether financial literacy changes college students' assessments of their student-loan providers. As predictors in our backward regression, we included (a) financial literacy, (b) perceived importance of loan, (c) satisfaction with college, (d) financial optimism, (e) experience using credit cards, and (f) perceived importance of decisions about credit cards. We also included two-way interactions between financial literacy and the other variables. Our regression explained about 24% of the variance in the dependent variable. Our results indicated that financial literacy was a significant predictor of attitude toward the student loan provider—but only in the interaction terms.

中文翻译：

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金融素养如何影响对学生贷款提供者的态度？

摘要我们研究了金融素养是否会改变大学生对学生贷款提供者的评估。作为我们向后回归的预测因素，我们包括（a）金融知识，（b）贷款重要性，（c）对大学的满意度，（d）财务乐观度，（e）使用信用卡的经验以及（f）重要性有关信用卡的决定。我们还包括了金融素养和其他变量之间的双向交互作用。我们的回归解释了因变量中约24％的方差。我们的结果表明，金融素养是学生贷款提供者态度的重要预测指标，但仅限于互动方面。