Indebtedness among university students is a recurring problem that needs to be addressed. Previous studies have illustrated the situation regarding credit cards and college students. Graduate and postgraduate students have not been studied, although they are also subject to debt. The aim of this article is to explore the psychological and social factors that contribute to the adoption of responsible credit practices among undergraduate, graduate and postgraduate students. The data are from an electronic survey sent by e-mail to students at two major Canadian universities (n = 1,323). The SEM results indicate that university students with a high level of self-efficacy in consumer credit are more likely to avoid risky credit behaviour. In comparison, the intention of undergraduate students to adopt responsible consumer credit behaviour is more influenced by parents than the (post)graduate students. The implications for financial education and personal finance advisors are discussed based on the results obtained.

中文翻译：

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本科生、研究生和研究生的消费信贷使用：计划行为理论的应用

大学生负债是一个需要解决的反复出现的问题。以前的研究已经说明了有关信用卡和大学生的情况。研究生和研究生没有被研究过，尽管他们也负债累累。本文的目的是探讨有助于在本科生、研究生和研究生中采用负责任的学分做法的心理和社会因素。数据来自通过电子邮件发送给加拿大两所主要大学（n = 1,323）学生的电子调查。SEM结果表明，消费信贷自我效能感高的大学生更有可能避免风险信贷行为。相比下，与（后）研究生相比，本科生采取负责任的消费信贷行为的意愿更受家长的影响。根据获得的结果讨论了对金融教育和个人理财顾问的影响。