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, as a peer mentor.Why is this program important to you?I truly enjoy talking, and working with people and this program allows be to talk with students and give them a better understanding about their financial futures.How has it helped you or changed your life?This program has made me more aware of my personal finances, where my money is going, and helped me to start thinking about the future more often.Describe a time you had a financial hardship and how you got through it.Sometimes paying for rent, groceries, and other college expenses can be tough at the end of the month, but being occasionally low on money has taught me how to budget and manage money better.Describe your favorite hobbies and activities.I enjoy reading, playing volleyball, running, and doing just about anything that involves being outdoors.Describe something unique about yourself.I know how to log roll.Describe the program in one word and explain why you chose that word.Informative. It Make$ Cents is a place where students can come and have all of their questions about money, budgeting, financial aid, etc... addressed.
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 UW-L 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 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?I have been involved in the IMC! Program since September 2013 as a peer mentor.Why is this program important to you?This program is important to me because it allows students to get help with their finances, while preparing them for their financial future, which is often a topic students struggle with. How has it helped you or changed your life?The program has helped me develop a better understanding of my personal finances along with giving me the opportunity to improve my communication skills while speaking with my peers. Describe a time you had a financial hardship and how you got through it.I didn't have a lot of extra cash to do the things I wanted so I began giving plasma at the Biolife center and now I always have an extra fund of money to do fun things. Describe your favorite hobbies and activities.My hobbies include basketball, football and triathlons. I also enjoy coon hunting and fishing. Describe something about yourself.I always wear a black sock on my left foot and a white sock on my right foot. Describe the program in one word and explain why you chose that word.“Opportunity" I believe that this program can help students get right with their finances, once this is accomplished students will have the freedom to do more things in their life.
How many years have you been involved with the IMC! Program and in what capacity?I've been involved with IMC! since September 2013, and I'm a peer mentor.Why is this program important to you?I think this program has a great purpose and is a really beneficial thing for students on campus to take advantage of, because learning how to finance yourself is important.How has it helped you or changed your life?IMC! has made me become more conscious of my financial status, and also helped me become aware of ways to budget for myself.Describe a time you had a financial hardship and how you got through it.Living in my first apartment this year has been a learning process as to how I should budget myself between rent, groceries, gas, car payments, etc. I believe, though, that being independent and having to manage things myself has taught me to become more responsible with my money.Describe your favorite hobbies and activities.I really enjoy being active and fit. I love running, tennis, and hiking the bluffs.Describe something unique about yourself.I have 2 dogs.Describe the program in one word and explain why you chose that word.Helpful. This program is a great tool
How many years have you been involved with the IMC! Program and in what capacity?
I have been in the IMC! program since November of 2013 as a peer mentor.Why is this program important to you?
It helps students learn about their finances which can directly help them in the present and future.How has it helped you or changed your life?
The program has helped me become better with my own finances. I also have become better at communicating with others. Describe a time you had a financial hardship and how you got through it.
I has slightly more expenses every month than what I was making. I knew eventually the money I had saved up was going to run out unless I figured something out. I created a budget and found some expeses I could cut and not I have extra money to spend.
I enjoy football and basketball. I am coaching back in my hometown for both of them. I also enjoy playing video games and watching movies.Describe something unique about yourself.
I got 30+ stitches before I turned 7.
Empowering. This program can help give you the knowledge to control your finances. You will be able to control your money instead of having your money control you.
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 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.
How many years have you been involved with the IMC! Program and in what capacity?I have been a peer mentor since August 2013.Why is this program important to you?This program is important to me because it promotes financial literacy among college students, a very important skill that a lot of students overlook while being on their own for the first time.How has it helped you or changed your life?This program has given me the opportunity to help my peers understand how to manage their finances.Describe a time you had a financial hardship and how you got through it.Living on my own this summer here in La Crosse was the first time I've really been concerned with money. I took a summer class and had several months of rent, food, and summer fun to pay for which amounted to a lot. I got through this situation by managing my money better than I had been before the summer and by being more aware of how much I spent on things that I didn't really need.Describe your favorite hobbies and activities.I like to go to concerts, play basketball, and watch movies.Describe something unique about yourself.I'm a big car fan, I go to races and work on cars. I recently rebuilt a 1969 Lotus Europa.Describe the program in one word and explain why you chose that word.Informative. This program informs students on how to better manage their money, an important skill many people learn too late in life.
How many years have you been involved with the IMC! Program and in what capacity?May 2014Why is this program important to you?
It has helped by staying frugal and enjoying the simple
things in life. Having fun and being
happy does not necessarily correlate with needing to spend money. Always being aware with what is worth
spending money over and why saving is always a good idea.
Living like a college student was definitely an adventure. Even working part time when I had to pay for rent and utilities I often sold pop cans and gave plasma to finance eating on a regular basis. Just stayed as frugal as possible and spent my money on the bare essentials.
Downhill skiing, reading books and articles on Higher Education, avid movie watcher, bowling, and playing darts, spending time with my niece and two nephews
I am left handed but swing right handed
Priceless-our society always talks about the value and price of everything. IMC shares financial literacy information that is priceless and extremely relevant. If this information and skill set is used appropriately and seriously it can be utilized over a lifetime resulting in happy and healthy relationships with yourself and others.
De Pere, WI
Bachelors of Arts in Psychology, Family Studies Minor from UW-Eau Claire,
Student Affairs Administration Graduate Program at UW-La Crosse
I’ve been involved with It Make$ Cents! for about 3 months as a graduate intern, primarily working with events and marketing.
All students should have the best chance to succeed in college and after graduation. To do so, everyone needs to have a basic understanding of financial issues and understand how their financial habits can affect their future. This program educates students about these issues in a fun and effective way. Being involved in IMC! allows me to help give students their best chance to succeed!
I have already learned so much since being involved with IMC! I’m more knowledgeable about financial issues in general, specifically credit scores! I learn something every day and from every event the office puts on, all of which benefits my future!
Last year, I started my first semester of graduate school. I moved home for the summer from Eau Claire where I had finished my undergraduate degree. I only worked on Fridays at my parent’s pub & grill during the summer. When I moved to La Crosse in mid-August and started my graduate assistantship, I realized I wouldn't be getting my first paycheck until October 1st due to a retrospective monthly payment schedule. The month of September was an extreme struggle financially with rent, utilities, groceries, and gas. I got through by following a strict budget, allocating the money I had to the aforementioned essentials. It was a hard month, but it made me realize the things I really need to spend my money on!
I love to read! Books are one of my absolute favorite things. Some of my favorite series are Harry Potter and the Hunger Games. Some of my favorite authors are John Green, Jodi Picoult, and, of course, J.K. Rowling! I enjoy playing tennis, when the weather allows it, and am a huge Netflix junkie!
One unique thing I always like to talk about is my Lebanese heritage. My grandpa on my mom’s side is first-generation American, with his parents emigrating from Lebanon in the early 1900s! I am also related to Tony Shalhoub (Monk, Men in Black) on that side, he is my Grandpa’s cousin!
Essential. Students need to develop financial literacy knowledge and skills for their financial well-being. Creating good financial habits now can have enormous positive effects on students’ futures!
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If the money you spend in four years at a public college was a stack of pennies, it could reach more than 8.5 miles high, higher than most airplanes fly.
84% of college students have a credit card. 50% of them have 4 or more.
The average total debt for the Class of 2013 is $35,200.
There will be approximately $1,200,000,000,000 in circulation in 2013.
$67,000,000,000 in student loans were in default in 2011.
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