Effective consumer financial education provides relevant information to meet special needs of targeted audiences. The purpose of this study is to examine differences in financial capability among student loan holders who are college students, graduates, and dropouts. Using data from the 2015 U.S. National Financial Capability Study, the results show that student loan holders who have completed their education program have higher scores in all financial capability indicators than college students and dropouts. Further analyses show differences in specific financial knowledge items among college students, graduates, and dropouts. In addition, college graduates are more likely to perform several specific desirable financial behaviors than college students and dropouts. The findings suggest that financial educators should emphasize action taking when they provide financial education for student loan holders who are college students and dropouts.

中文翻译：

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大学生，毕业生或辍学学生贷款持有人的财务能力

有效的消费者金融教育可提供相关信息，以满足目标受众的特殊需求。本研究的目的是检验大学生，毕业生和辍学学生的学生贷款持有人之间的财务能力差异。使用2015年美国国家金融能力研究的数据，结果表明，完成教育计划的学生贷款持有人在所有金融能力指标中的得分都比大学生和辍学学生高。进一步的分析表明，大学生，毕业生和辍学学生在特定金融知识项目上的差异。此外，与大学生和辍学学生相比，大学毕业生更有可能表现出几种特定的理想财务行为。