The last decade of research on college student financial wellness was driven by the onset of the “student loan debt crisis.” Prior to the focus on student loans, credit card use and marketing was the primary area of interest for those studying young adult finances on campuses. This paper consolidates the findings reported in twenty papers related to college student finances that were published in the Journal of Family and Economic Issues between 2010 and 2019. The work is organized into individual financial behaviors and its antecedents, followed by a summary of studies that study well-being indicators. The reviewed studies address financial behaviors as products of individual and personal characteristics, family relationships and formal socialization processes, and how these factors influence general well-being outcome. Though the approaches vary widely across published studies, each addressed at least one outcome within the socialization model. Credit card and student loan financial behaviors are common factors in determining well-being, their resulting impact on financial or general subjective well-being are mixed at best. The area of research is relatively new and directions for future research are outlined. Studies of emerging adults over time, replication of previous work, consistency in approach to measuring key constructs, and commitment to theoretically based approaches to research will all help to clarify our understanding of college students’ transition to financial independence.

关于大学生财务健康状况的最近十年的研究是由“学生贷款债务危机”的爆发所驱动的。在关注学生贷款之前，信用卡的使用和市场营销是那些在校园里学习年轻成人财务的人们所关注的主要领域。本文合并了2010年至2019年发表在《家庭与经济问题杂志》上的20篇与大学生金融相关的论文中报告的研究结果。研究工作分为个人金融行为及其前因，然后总结了研究的研究幸福感指标。审查的研究将财务行为作为个人和个人特征，家庭关系和正式社会化过程的产物，以及这些因素如何影响总体福祉结果。尽管这些方法在已发表的研究中差异很大，但每种方法至少解决了社交化模型中的一项结果。信用卡和学生贷款的财务行为是确定幸福感的常见因素，其对财务或总体主观幸福感的影响最多是混杂的。研究领域相对较新，并概述了未来的研究方向。随着时间的流逝，对新兴成年人的研究，以前工作的重复，衡量关键结构的方法的一致性以及对基于理论的研究方法的承诺都将有助于澄清我们对大学生向财务独立过渡的理解。信用卡和学生贷款的财务行为是确定幸福感的常见因素，其对财务或总体主观幸福感的影响最多是混杂的。研究领域相对较新，并概述了未来的研究方向。随着时间的流逝，对新兴成年人的研究，以前工作的重复，衡量关键结构的方法的一致性以及对基于理论的研究方法的承诺都将有助于澄清我们对大学生向财务独立过渡的理解。信用卡和学生贷款的财务行为是确定幸福感的常见因素，其对财务或总体主观幸福感的影响最多是混杂的。研究领域相对较新，并概述了未来的研究方向。随着时间的流逝，对新兴成年人的研究，以前工作的重复，衡量关键结构的方法的一致性以及对基于理论的研究方法的承诺都将有助于澄清我们对大学生向财务独立过渡的理解。