How many years have you been involved with the IMC! Program and in what capacity?I have been involved with this program since September 2013, I am a peer mentor.Why is this program important to you?I have watched people who are very close to me struggle with money, so this program helps me show students how to manage their money so they don't have to go through the same struggles.How has it helped you or changed your life?This program has made me more aware of how I use my money. It has also helped me think about the future and what I have to do to avoid financial struggles.Describe a time you had a financial hardship and how you got through it.I haven't had too many issues with my finances in the past. I have just watched my mom go through some tough times where we had to cut back in certain areas in our life so we could make it month to month.Describe your favorite hobbies and activities.I love to read, hang out with friends, playing pick up sports (ultimate and soccer are my favorites), I also like the outdoors, hiking, bonfires, anything like that I enjoy.Describe something unique about yourself.I have flown and landed a plane (not just flown in a plane, I have actually flown one).Describe the program in one word and explain why you chose that word.Interesting. Although budgeting may seem boring it isn't. Every time you come into the office you learn something new and intriguing.
How many years have you been involved with the IMC! Program and in what capacity?I have been involved with IMC for about 6 months
Why is this program important to you?
I think it is important to be a resource available to other students in order to help them with any of their needs.
How has it helped you or changed your life?
It has helped me further my education with many of the current issues that younger Americans have with their financial health.Describe a time you had a financial hardship and how you got through it.
I cannot say I have had a financial hardship due to parental education and the Dave Ramsey course I took in high schoolDescribe your favorite hobbies and activities.
I really enjoy bow-hunting and I am a member of the UWL Archery team and I am also a avid fishermanDescribe something unique about yourself.
I am very ambitious but you would not know that without having a conversation with me. Describe the program in one word and explain why you chose that word.
Preventative. This program can help students never reach those financial hardships that create a whole bag of problems for young people. The stress of personal finance should not be stressful or a burden on yourself. It should bring peace to yourself knowing that you are not in line for a financial downfall.
How many years have you been involved with the IMC! Program and in what capacity?
I am a peer mentor and have been part of IMC! since January of 2015. Why is this program important to you?This program is important because it offers students a great opportunity to learn a lifelong skill about managing and taking care of their money which is something that many people struggle with. How has it helped you or changed your life?IMC! has really enhanced my education and understanding of financial literacy. It also has given me an opportunity to help students and teach then what I know and have learned. Describe a time you had a financial hardship and how you got through it.I am definitely living my biggest financial hardship right now. Trying to pay for all of my schooling and living expenses I really have to keep track of my money, budget the money I do have, and not spend money on unnecessary things so that I can stay on top of my bills and keep making my payments. Describe your favorite hobbies and activities.My favorite hobbies include playing sports, hunting, fishing, golfing and hanging out with friends. Describe something unique about yourself.I come from a family of seven. I have three sisters and one brother and all of our names start with the letter J. Describe the program in one word and explain why you chose that word.
"Informative" IMC! is extremely informative for teaching financial literacy to students. Almost every event that IMC! has to inform students; Whether it would be teaching then how to invest money for the future, how to budget their money now, or how to build thier credit. All of these topics help educate students to make good financial decisions now and for the rest of their lives.
How many years have you been involved with the IMC! Program and in what capacity? I've been involved with IMC since January 2015 as a peer mentor
Why is this program important to you?I think this program is important because it helps students get information about their finances, along with any assistance they may need with their finances along the way. This is something that many people don't know much about, so it's good to get everyone educated on it.How has it helped you or changed your life?This program has helped me grasp a better understanding of personal finance and what aspects people struggle the most with, while being given the chance to assist my peers with their financial struggles.Describe a time you had a financial hardship and how you got through it.Through high school, I had some life altering events which caused me to need to be more financially independent than most other high schoolers. I had to learn how to budget and best use my financial resources to make my money last.Describe your favorite hobbies and activities. I love spending time outdoors, with friends, and traveling. Describe something unique about yourself. It sounds really geeky, but I'm obsessed with sticky notes. I write everything I have to do on them, and they basically run my life.Describe the program in one word and explain why you chose that word. Helpful. IMC is a program designed for students. The program can help you with nearly anything pertaining to your finances, whether it is credit cards, budgeting, or identity theft.
How many years have you been involved with the IMC! Program and in what capacity?I started as a peer mentor in September of 2014.Why is this program important to you?
This program is important to me because I think it offers students a great opportunity to learn how to be fiscally responsible in college and hone those skills for financial well-being later in life.
This program has helped me gain a better understanding of managing finances and I want to pass that knowledge onto my peers.
Describe a time you had a financial hardship and how you got through it.
It was after my first year of college that I truly realized how many extra expenses are associated with going to college. I knew that I would need to make some changes in order to pay for the upcoming year school so I worked extra hours at my full-time job in the summer and made a budget for the upcoming school year. I cut out unnecessary expenses and with the combination of being frugal, budgeting, financial aid, and working as much as I can, I have been able to pay for school and manage my money effectively.
Describe your favorite hobbies and activities.
I love watching and playing sports. My greatest passion in life is being outdoors, especially hunting and fishing.
Describe something unique about yourself.
I am left handed but I golf and swing a bat right handed. The only other person that I personally know who does this is coincidentally our graduate assistant Tom Heiar.
Describe the program in one word and explain why you chose that word.
Useful. This program has so much to offer to students; whether it be learning how to budget your money, how to build your credit, or investing money for retirement, IMC! enables students to make smart decisions and avoid financial troubles in their future.
How many years have you been involved with the IMC! Program and in what capacity?Started in September of 2014 as a Peer Mentor. Why is this program important to you?This program is important to me because I believe that money may be a struggle in college, but it should not be a burden on your college career. I want to inform students that there are ways to financially plan themselves in college so that money should not be the biggest concern, but grades and other important factors should be. There are plentiful ways to decrease debt, financially manage debt, & other ways to help finance your college career. How has it helped you or changed your life?It has helped me realize that a lot of people do not seek for advice. And by realizing that, I can start advising students while learning even more ways to financially plan in college.
Describe a time you had a financial hardship and how you got through it.Freshman year in the dorms at one time I had $0 to my name. I did not want to ask my parents for money, and since I was already living in the dorms with a meal plan, I had no other expenses but leisurely expenses. Therefore, I just stopped unnecessary behaviors such as retail therapy, going out to eat, & little things such as even buying chips from Kwik Trip. Describe your favorite hobbies and activities.My favorite hobbies include hiking, paddle boarding, mini-golfing, and anything outdoors related. My activities include being involved in organizations. Describe something unique about yourself.I have been to China 3 times. Describe the program in one word and explain why you chose that word.
Accessible because we are always here for any student with any financial situation.
How many years have you been involved with the IMC! Program and in what capacity?I just started this Spring of 2015 as a Peer Mentor within the IMC!
Why is this program important to you?This program is a huge resources on campus for students to become more educated about finances, and how to make good decisions when managing money. IMC is important to me because I am able to help give back to our campus by educating other students, and along the way I am always learning more about finances as well!How has it helped you or changed your life?
How many years have you been involved with the IMC! Program and in what capacity?I started being involved in September of 2014. I’m a peer mentor and look forward to giving presentations and giving consultations.Why is this program important to you?Almost all of the people I’m close to at this campus have difficulty managing their finances. Be it credit card debt, car payments, or just making rent, it always seems like a struggle. I’ve always been good with my finances and budgeting, so I’ve been able to help some of my struggling friends. I look forward to being able to help other people on campus and promote financial literacy.
How has it helped you or changed your life?It made me realize that simply planning a budget in my head isn’t as effective as actually planning it out on paper.
Describe a time you had a financial hardship and how you got through it.Last year my financial aid didn’t go as planned. I thought I would be getting a refund when I actually owed money in. I could have taken out some unsubsidized loans, but instead I decided to pick up more hours at work and seek other government benefits to help with expenses like food and heat. I got through the year successfully with a combination of government help and more hours at work.
Describe your favorite hobbies and activities.I love to travel and go to concerts. I spend almost all of my spare money driving across the country to see my favorite bands and DJs including The String Cheese Incident, Bassnectar, and Pretty Lights.
Describe something unique about yourself.The Beatles are my favorite band and I love learning the history about them. I also saw Paul McCartney this summer and it was the greatest night of my life
Fresh. This is a relatively young program and it’s only getting better.
How many years have you been involved with the IMC! Program and in what capacity?I started in September of 2013, and I'm a peer mentor and administrative assistant.Why is this program important to you?I feel it is really important for students to know how to manage their money and know the options available to them to help save for the future.How has it helped you or changed your life?It has helped me pay better attention to my own spending habits.Describe a time you had a financial hardship and how you got through it.I've been lucky to have avoided financial hardship.Describe your favorite hobbies and activities.I love reading, writing, hiking, and playing board games.Describe something unique about yourself.I will be moving to Italy in the summer of 2016.Describe the program in one word and explain why you chose that word.Helpful, because that is the number one thing I would say we do; we help people learn about finance and help them manage their money.
The average National Student Loan Debt is $33,000.
Average Student indebtedness in the state of Wisconsin is $28,128.
The Average Student indebtedness at UWL is $28,083.
84% of college students have a credit card. 50% of them have 4 or more.
Value of money converted to time:
1 million seconds ago was 12 days ago.
1 billion seconds ago was 32 years ago.
1 trillion seconds ago was 32,000 years ago, prehistory.
To load a trillion dollars on a train: If we loaded box cars with $1 bills, each car 50 feet long, we could get $65 million in each car. It would take a train 240 miles long to haul the trillion dollars.
$67,000,000,000 in student loans were in default in 2011.
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