Document Type


Date of Original Version



Human Development and Family Studies


Many college graduates will enter young adulthood poised for success. Some may stumble at first, and still others will fall. What sets them on different pathways?

To answer this question, we’ve started a landmark longitudinal research study to look at the connections between financial success and well-being in a diverse group of first-year college students: Arizona Pathways to Life Success for University Students (APLUS).

APLUS examines the factors that help shape students’ financial attitudes and behaviors and, in turn, how those attitudes and behaviors affect their current and future success in life.

Using data from 2,000+ students, this report summarizes our findings to date regarding how students spend their time and money, financial literacy and practices, debt management and well-being.