budgeting what it is how to create one track. What do others do? Want to provide adults a practical financial education? Financial Literacy PowerPoint Presentations: PPT Presentation | NFEC Looking for a financial literacy PowerPoint presentation with quality materials and vivid design. In todays information age, keeping your personal financial information private can be challenging. presented by moodys upward bound. Mortgage: $900 Utilities: $175-$225 Groceries: $500 Transportation: $200 for gas a month Car Payment: $180 Retirement: $400 Education: $200 for my student loan Health Care: $200 Insurance: $175 a month Household Supplies: varies--$200 a month Savings: $400 a month Entertainment: $150 Donations: $500 Other - $1,500 Internet Credit Cards Shopping Gifts. even though we wish, Financial Literacy - . Like www.HelpWriting.net ? Financial illiteracy and ignorance about money management are major reasons for recurring poverty. Financial Literacy - . Pre-made digital activities. Wants: Things that are nice to have, things that gratify some desire or urge. Back to the Basics. Viviane came to the realization that starting things off with simply the core principles would be the best route for this financial literacy presentation for college students. Ltd. E.I.DuPont Services Centre India Pvt. Looks like youve clipped this slide to already. How Were Taxed We are taxed when we work, and often taxed when we make a purchase On April 15th each year, we mail in forms showing what weve paid in local, state, and federal taxes. dlt: i can describe the purpose and, Financial Literacy - Shannon stump pnc bank financial literacy introduction financial health budgeting for students what, Financial Literacy - . Next, a commitment to saving is discussed. savings accounts. All groups reveal their guess at the same time. smarter texas is sponsored by tcee. Certificate of Completion in Integrating Climate Change in UNICEF's Planning How to get rich with bitcion even if you don't have a clue about it!! Teachers Guide Lesson 2 Part 2: Money Responsibility. This is 60 page pdf with 3 assignments and 1 mega-project. Should I buy a new car or a used car? Where is the best place to finance my automobile purchase? Is it better to take the rebate or the low-rate financing plan? These are typical questions asked by people buying vehicles. an intervention to establish positive debt management and spending. Grants and scholarships. model program. The NFEC is a social enterprise organization committed to creating a world where people are informed to make qualified financial decisions that improve their lives, the lives of their loved ones, and the lives of people they impact around the globe. Created with Sketch. about 600 hours and 1,200 to counter identity. Your credit limit = The amount you are approved for on a credit card You cannot go over your limit! Survey Do you currently have a savings account? Insurance Vocabulary Complete the crossword puzzle using the following words: There are five different types of accounts that are available at most banks. ET on Twitter and YouTube. Do not sell or share my personal information. The state says we need to! Wiser choices result in better use of time, money, and other resources. Its like getting a bad grade it stays on your permanent record. However, the process of becoming a first-time homebuyer can be overwhelming, and requires a foundation for basic home-buying knowledge. FTC 2005 Identity Theft Survey Report. october, Complete the questionnaire on your notes. (Show as "savings" under expenses and change "total expenses" to $50, equal to income.) define inflation. This week, we discussed Financial Literacy for Teens and Students. expert meeting. just say no. Support from parents. Financial literacy helps teens learn money management and also develop decision-making skills. familiarize. If you liked this PowerPoint game, you may also be interested in our Saving Money Challenge Cards . Other options. 1. This deck features tips from: @FinEdChat, @WealthwithMina, @mymoneycoach_ca, @RAHomes, @FamZoo, @LeslieHTayneEsq, @ncl_tweets, @NextGenPF, @b__wil, @christaylor_nyc, @ACCC_helps, @TraeRetailMeNot, @PiggieBanker, @MiriamSCross and @emergebenefit. Estimate your income in your chosen career. Some PPTs have lecture notes at the bottom of the screen in the notes area. -- Middle & High School PBL, Also included in:*Math Curriculum Grade 4-6 Print & Digital Growing Bundle, Also included in:5th Grade STAAR Math Test-Prep Product BUNDLE, Also included in:*BUNDLE* All Print + Digital Social Studies Breakout/Escape Room Lessons, Also included in:Consumer Math "Life" Budget BUNDLE - Great financial literacy unit, Also included in:5th Project Based Learning Math Starter Kit Bundle. {UPDATE - DIGITAL VERSION ADDED 5/6/2020!!!} lifelong learning centre wednesdays , october 3 to 24, 2012 7:00 to 9:00 p.m. gallery room 106 dr. Financial Literacy - . On this page, GFLEC offers suggestions and resources to manage our personal finances and buffer ourselves against the financial emergency caused by . how to finance your life. It appears that you have an ad-blocker running. 8. We claim as many deductions as possible to lower the amount we owe. You may receive a free copy of your credit report from each of the three major credit reporting agencies each year. Calvert County Public Schools provides instruction in Financial Literacy for all students through the semester course, Financial Literacy: Money Management. Financial literacy is important for current money habits and also future preparation. What is a co-signer? How Much Are Americans Saving for College, Retirement and Emergencies? minds. Financial Literacy What Students Need to Know - Session 27. financial literacy what students need to know. Financial Literacy Presentation for College Students: PPT, Tools | NFEC Want to help college students pick up financial skills? Chart indicating appropriate age groups for the key learnings offered in each lesson, Answer keys to worksheets (when necessary). TransUnion. Lesson 11: Savvy Spending: Sharpening Money Decisions. "The actual price of the product is" Closest team gets a, Are you looking for a fun way to get your students excited about personal finances? FINANCIAL LITERACY-WHAT IS IT? Get powerful tools for managing your contents. Stumbling Blocks Four major stumbling blocks to building a successful financial literacy program Dont know how to get started Limited time Limited resources Difficulty reaching students, How to Begin Building Your Program Needs assessment Student needs What money issues have you and your staff heard from students? 9. 2023 SlideServe | Powered By DigitalOfficePro, - - - - - - - - - - - - - - - - - - - - - - - - - - - E N D - - - - - - - - - - - - - - - - - - - - - - - - - - -. Since these costs are commonly underestimated, guidelines are provided on how much to spend when buying vehicles. The number of foreclosures and bankruptcies are increasing. I place students into groups, each having a whiteboard (a piece of paper works, too). This framework provides an overview for the activities involved with selecting and purchasing a home. Building your career is one of the surest ways to increase income and make money. We've updated our privacy policy. What happens if you have a co-signer on a loan and you neglect your payments? Consumer Rights Disability Environment And now Health Insurance. In this lesson, students will be encouraged to consider various topics related to career planning and the financial aspects of employment. This lesson will provide students with information on buying a home and where and how to begin the process. No taxation without representation! All written content in this unit is editable providing you with the flexibility to modify the resource to meet your students' needs. PPTX. The rate began to reduce the year mandatory New Student Orientation was implemented. In this lesson, your students will solve clues about personal finance topics like taxes, student loans, loans, debt, and mortgages!You students will review fictional student loan and credit card statements, budget to purchase a home, calculate the payoff for their student loans based on the standard 10-year repayment plan, compare auto loan companies to determine the best deal for their financial, Do you teach Personal Financial Literacy in your class, or Economics, perhaps?! It is also practical and shows them how to apply the math they are learning in school in a realistic way!This is completely ready to go, no prep, and the only material needed is internet access!This is designed with the fifth grade math TEKS in mind, but can be used for any upper elementary or middle school classrooms. Financial Literacy - . define, Financial Literacy - . Financial Literacy Vocabulary Assignment. aaron courtney assistant manager, financial services, Financial Literacy - . Ability to make informed judgments and to take effective actions regarding the current and future use and management of money. Dir. Return of Title IV Funds Accounts receivables write-off balance is due primarily to Return of Title IV funds. A personal budget is a financial plan that allocates future income toward expenses, savings, and debt repayment. welcome!. What is a down payment? Next, this lesson covers a variety of buying methods, such as buying clubs, shopping by phone, catalogs, online, and door-to-door selling. live your dream. This is a great project based learning idea!This can be printed and used as a hands-on activity. 63% of Americans acknowledge they dont save enough, and 36% say they spend more than they can afford. For that exact reason, she opted to find some help: she got a hold of a NFEC Certified Educator who was skilled in doing exactly that conducted measurements through testing and a financial literacy quizzes designed for college students. In todays modern world, advertising seems to be everywhere we look; online, television, billboards, magazines, newspapers, on buses, grocery carts, even cell phones. The lack of financial literacy skills can lead to poor spending choices, increased debt, and a generational wealth gap. Filing Taxes All the forms youll need can be found at the IRS website. 2014-2015. financial literacy 8/05/14. This specific group had a whole mismatched collection of varying schedules. Basic Operations, Percentages and Critical Thinking are put to the test in this financial literacy challenge! FINANCIAL LITERACY FOR STUDENTS An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Reviews. Help your students practice decimals and money skills with this quality project-based learning. exercise #1: a gift . Each step is explained thoroughly, although some teacher input may be required for a few steps. A financial literacy project helps high school students plan for the lives they hope to lead through discussions of values and budgets. This week, we discussed Financial Literacy for Teens and Students. A questionnaire given out at the close of the program indicated that 100% of those who ended up participating had significantly boosted their understanding of money management principles. Due to the passage of the 2003 Fair and Accurate Credit Transaction Act (FACTA), all Americans are entitled to one free credit report from each of the three major credit reporting agenciesEquifax, Experian and TransUnionupon request every 12 months. model program. Life Skills Classes first-year experience continued. Online: Visit AnnualCreditReport.com (This is the ONLY site that's truly free! While most decisions are simple, such as what should I wear? or what should I eat?, others are more complex, such as should I buy a new or used car? As decision-making skills are used and improved, a persons quality of life is enhanced. Penn State University | Sokolov-Miller Family Financial and Life Skills . Access National Financial Educators Council's financial literacy presentation for college students. Join our #CreditChat every Wednesday at 3 p.m. There is also a DIGITAL version that can be used on Google Drive (Slides)!This financial literacy activity is great for 3rd - 5th graders as an enrichment or extension activity for addition and subtraction of whole numbers. individual balances of more than 1,000. Failure to pay your taxes legally due is called Tax Evasion. Experian. Exceeding the credit limit on your credit card. pizza, Financial Literacy - . Resolution passed unanimously same day. Teachers Guide Lesson Eleven: Consumer Awareness, Student Guide Lesson Eleven: Consumer Awareness, TeachersSlide Presentation Lesson Eleven: Consumer Awareness, Teachers Power Point Presentation Lesson Eleven: Consumer Awareness. They will make real-life choices about things like insurance, groceries, utilities, and charitable donations based on their income, budg, Teach students how financial decisions can affect their lifestyle choices! This introductory lesson provides students with an opportunity to learn more about decision-making. why do we. Of the 27 volunteer mentors who participated, 25 were able to make it to the very end of the course resulting in a success rate of 93%. Add highlights, virtual manipulatives, and more. Financial Fact 4: Your credit history stays with you for a very long time. Widescreen (16:9) Presentation Templates. With the support of the NFEC, Viviane pulled off a successful financial literacy for college students ppt like she had hoped! With that in her mind, she chose to build a flexible financial literacy for college students PowerPoint that is broken up into smaller units that could be done on the participants own free time. Your poster needs to include the following: Uploaded on Oct 29, 2019 Jesus A Dandridge + Follow Weve updated our privacy policy so that we are compliant with changing global privacy regulations and to provide you with insight into the limited ways in which we use your data. Our financial literacy for college students ppt solutions are easily digestible, long-lasting and useful all while still making sure to include some fun along the way. APRIL IS FINANCIAL LITERACY MONTH! Financial Literacy for Graduate Health Students of Today, Financial Literacy for Children - Their. Please see the preview for more information about the options.As they progress through this material, students make college decisions, get paychecks, buy or rent homes and vehic, This Personal Financial Literacy Activity Bundle includes 6 classroom activities to practice personal financial literacy concepts including simple and compound interest, personal budgets, minimum household budgets, sales and income tax, and net worth. Lesson 10: Make It Happen: Saving for a Rainy Day. We needed taxes to pay that debt off Article I, section 8 of the U.S. Constitution gave Congress the right to tax The 16th Amendment added an income tax, Can We Skip Taxes? Payday Loans FDIC's Money Smart Worksheets Suggested Age: 3-5 grade and 6-8 grade -- Middle & High School PBL, BUDGETING FINANCIAL PLANNING AND GRAPHING: FINANCIAL LITERACY(EDITABLE), *Math Curriculum Grade 4-6 Print & Digital Growing Bundle, 5th Grade Financial Literacy, Personal Finance Math Unit 5.10, 5th Grade STAAR Math Test-Prep Product BUNDLE, Financial Literacy Unit: Things Students Should Know Before They Graduate, Digital + Printable Financial Literacy Escape Room / Breakout Game, *BUNDLE* All Print + Digital Social Studies Breakout/Escape Room Lessons, Consumer Math "It's My life" Budget Unit - Great financial literacy unit, 5th Grade Math Project Based Learning | Personal Budget | Decimals TEKS CCSS, 5th Project Based Learning Math Starter Kit Bundle, DIGITAL BUDGETING: FINANCIAL LITERACY:GOOGLE SLIDES EDITABLE: DISTANCE LEARNING, Middle School Economics Financial Literacy Activities Bundle. Create stunning presentation online in just 3 steps. It contains 4 action filled PowerPoint presentations (over 50 slides in total), and all supporting documents for students to complete each phase of the project (27 pages). Entrepreneurism Financial Behavior Our #CreditChat panel included Steve & Annette Economides New York Times Best Selling Authors and Founders of MoneySmartFamily.com, Laura Levine President of the Jump$tart Coalition: Financial Smarts for Students, Brian Page - Budget Challenge Outreach and Education, Manager and Debbi King- Personal Finance and Life Coach and Owner of ABCs of Personal Finance. Do you think your students know how much money it costs to have the things they have at home? This is a complete unit that focusses on creating a household budget, and maintinaing a positive balance at all times. Viviane is a junior coordinator for a university program that assigns incoming students with upperclassmen as mentors. Do you plan on owning or currently own a car? Instead of tirelessly searching for scholarships, what if qualified college scholarships found you?In this book, students learn how to find the money, budget the money, and grow the money to pay for college.You will learn:How to access free State and Federal Money for schoolHow to write Winning Scholarship EssaysBest Budgeting Strategies for . Financial Literacy. the journey. This unit deals with making a budget, saving/spending, producers/consumers, wants/needs, and deposits/withdrawals. why do you think the state has added this course to the high school, Financial Literacy - . This lesson, with attached budgeting activities, will encourage high school students to take the time and effort to develop their own personal financial goals and spending behaviors. You will be able to change spellings, currency format etc - simply type inside the text box in the editable Power Point file. This Real World Math Project is perfect for Middle School students and for an end of Year Project.It will have them looking at budgeting and finance skills as they plan their 'future life'. Various federal laws protect our rights as we apply for and use credit cards, such as procedures for disputes and protection from card theft and fraud. Some filters moved to Formats filters, which is at the top of the page. You may not be able to rent an apartment. While most students have a general idea about the advantages and disadvantages of credit, this lesson provides an opportunity to discuss these issues in more detail. Create stunning presentation online in just 3 steps. Subtotal: The total amount on the slip, of both money and checks 8. Clipping is a handy way to collect important slides you want to go back to later. Directions: Using the vocabulary we will go over, you are to pick two words. No public clipboards found for this slide, Enjoy access to millions of presentations, documents, ebooks, audiobooks, magazines, and more. Financial Literacy - Central bank of azerbaijan republic. Financial Literacy: How to Inform Your Students - . What is financial literacy? If you put $1,000 on the deposit slip but want $50.00 cash back you would only be putting $950 in the account. This unit focuses on vocabulary as well as math word problems to help solve different financial situations. definition . Effective money management starts with a goal and a step-by-step plan for saving and spending. Financial Literacy. Decisions, decisions. Introductory Overview to Financial Literacy for High School Students, https://studentaid.ed.gov/sa/prepare-for-college/choosing-schools/consider/costs, Using Comic Books To Teach Financial Literacy, What You Need to Know This Tax Season (2022-23 Guide), InCharge Debt Solutions Named One of Central Floridas Top Workplaces. i am. Enjoy access to millions of ebooks, audiobooks, magazines, and more from Scribd. Teachers Guide Lesson Thirteen: In Trouble, Student Guide Lesson Thirteen: In Trouble, Teachers Slide Presentation Lesson Thirteen: In Trouble, Teachers Power Point Presentation Lesson Thirteen: In Trouble. Why They Can Tax After the Revolutionary War, we were in debt! This subject was something she was already quite familiar with, but she had no idea where to even start. Thats the primary reason Americans are $1.4 trillion in debt on student loans. Financial Literacy for Teens and Students. Student have so much fun during this project and get a real insight into the cost of living. presenters. Warning: Careful How You Spend Keeping your credit score healthy allows you to take out loans with a lower interest rate Lower Interest Rate = Lower Payment! Teachers Guide Lesson Eight: Credit Cards, Student Guide Lesson Eight: Credit Cards, Teachers Slide Presentation Lesson Eight: Credit Cards, Teachers Power Point Presentation Lesson Eight: Credit Cards. It's not until the end will they figure out if they can stay within a budget.Students are given a career with a salary. By whitelisting SlideShare on your ad-blocker, you are supporting our community of content creators. Education Defense Welfare Where does it get the money to do this? Activate your 30 day free trialto continue reading. Quizzes with auto-grading, and real-time student data. $100 Credit Limit = Spending no more than $30 a month i.e. (13 pages)After students complete the lesson, they complete a spending and ear, My Business and Financial Literacy students love playing this game! your favorite aunt edna has left you $40,000.00 in her will. Complete the questionnaire on your notes. Using a systematic purchasing strategy will provide students with an ability to make more effective purchases. elizabeth coogan | ed pacchetti | david soo u.s. department of. This course is designed to enable students to become wise and knowledgeable consumers, savers, investors, users of credit, money few people have ever spent their way out of, Financial Literacy - . For many, buying a home is the single most important financial decision they will make in their lifetime. Financial literacy affects everyone in different ways. Presentation design featuring financial literacy - close up of woman background . Financial literacy can be understood as the skillset or knowledge to manage monetary resources efficiently in order to accommodate one's needs today and in the future. The average student who enters college lacks basic skills in the management of personal financial affairs. Banking & Financial Services Bankruptcy Budgeting Business Plan Buying a House Careers Financial Literacy for First Year Students - . session topics. What do you need to survive while in school versus what might you merely want or desire? working and earning a. getting that first job making a good. education. You have the chance to be smart with your finances from the very beginning! Teachers Guide Lesson One: Making Decisions, Student Guide Lesson One: Making Decisions, Teachers SlidePresentation Lesson One: Making Decisions, Teachers PowerPoint Presentation Lesson One: Making Decisions. We will discus your Reponses in a few minutes. Youve come to the right place. Our tailored solutions can be adjusted to meet the needs of any age group or socioeconomic group. Often, the concepts in this unit are beyond the scope of imagination for our kiddos. patience. 6 Tips for Teaching Teens Financial Literacy Habits - According to research, teens spend all of their money instead of saving it. Saving Taxes Wants and Needs. After picking your 2 words you are to create a poster for each word on a separate pieces of computer paper. From that point in her journey, she needed to figure out the best delivery method for this financial literacy for college students PowerPoint. HEOA, Section 402D to improve the financial literacy and economic literacy of students, including: Basic personal income, household money management, and financial planning skills; and Basic economic decision making skills Required services include education or counseling services designed to improving the financial literacy and economic literacy of students. Financial calculation powerpoint ppt template bundles. Financial Literacy What Students Need to Know - . These hands-on and engaging activities are all easy to prep! Lesson 12: Bank or Bust: Selecting a Banking Partner. This lesson provides a reality check for students as they investigate the costs associated with moving, obtaining furniture and appliances, and renting an apartment. The lessons include:How Can I Earn Money?What is a Financial Goal?How Do I Make Change?Drink Machine EconomicsHow Can I Be a Superstar SpenderHow Can I Pay for a Purchase?Should I Borrow Money?Are all Credit Cards the Same?What's so Interesting about Interest?What Do I Real, This is a great project to get students interested in real financial literacy! Find resources to assist you in financing your education. Take a breath. resources for every stage of federal student aid. Financial Literacy - . final exam review. As young people grow up, a common goal is to live on their own. Retirement Planning Employment. Making late payments. Should We Deduct Our Daughters Loan From Her Inheritance? Communicating to students the importance of staying in class or staying through at least 60% of the semester has a positive impact on R2T4 rates. financial literacy for children. How do I access my credit report? In an effort to give you the most up-to-date information for teaching and making personal financial decisions, weve compiled the following lists of periodicals and organizations that can enhance your use of Practical Money Skills for Life. session objectives . Many are unable to balance a checkbook & most simply have no insight into the basic survival principles involved with earning, spending, saving & investing source: Jumpstart Coalition, Source: 2003-04 National Postsecondary Student Aid Study. your favorite aunt edna has left you $40,000.00 in her will. Sometimes we get a refund (because weve overpaid) Sometimes we owe more (because we didnt pay enough), Why Were Taxed What kinds of goods and services does the government provide? After receiving a number of personal finance related questions from several of her volunteers, she decided that she wanted to find a way to help them all with this topic. By purchasing the bundle you will save 10%. Director (Center Head) - E.I.DuPont Services Centre India Pvt. However, the challenges of independent living are often quite different from their expectations. what is financial literacy?. It also makes a great end of year unit for seniors. Teachers Guide Lesson Ten: The Influence Of Advertising, Lesson 10: The Influence of Advertising High School Student Guide, Teachers Slide Presentation Lesson Ten: The Influence Of Advertising, Teachers Power Point Presentation Lesson Ten: The Influence Of Advertising. $7,000 Credit Limit = Spending no more than $2,100 a month, Credit Card Use Positives Negatives You can buy something when you dont have the cash for it Safer than carrying cash Easier to use than a check Helps establish credit Easier to spend money you dont have Need to pay interestand rates vary Can charge an annual fee Penalties for late or missed payments. 9. Most students know that banks and other financial institutions (credit unions, savings and loan associations) offer a variety of services. Across the world, the NFEC provides customizable and diverse options for any financial literacy presentation for college students. Financial economy icon showing money bag. 28. Do you plan on owning a house one day? action. In this lesson, students are asked to identify costs associated with owning and operating a motor vehicle. What would be the best first move for her to make? Andrew Miller, Edutopia's resident advocate for game-based learning, teams up with financial literacy expert Brian Page to look at some friendly, engaging options . 81% of consumers are spending more or the same on groceries as they were 2 years ago How can people save money on food? After comparing the differences between renting and buying, students will be introduced to a five-step process for home buying. define inflation. The Finance in the Classroom Partners do not endorse and are not responsible for content on external websites linked to from this page. freedom. NOTICE: There are lecture notes at the bottom of the screen in the notes area. After picking your 2 words you are to create a poster for each word on a separate pieces of computer paper. So, take a deep breath and check out these sites that should help you find a college you can afford to attend. one things for sure, it doesnt grow on trees! The second file contains all you need for two to three fun filled weeks of REAL WORLD Math. Learning to be financial literate has immediate results and also long term returns on investment. ISFAA Spring Conference April 28, 2009. Financial goals should be realistic, be specific, have a timeframe, and imply an action to be taken. Part-time employment. Financial literacy is a skill that can help your teens to become successful. The teaching curriculum consists of fourteen lesson plans & worksheets designed to augment a semester course in life skills and personal finance management. Don't be fooled by ads saying otherwise.) research and development center. Academic and Financial Literacy through high-impact strategies Orientation, Retention, and Financial Literacy programs at Ivy Tech Community College Richmond, New Student Orientation Part of research-based Indiana Project on Academic Success (IPAS) Began Spring 2006 - Half-day format with lunch and USB drive Mandatory for all new students Presentations by the Offices of Financial Aid, the Registrar, Student Life, and Student Success and Retention Mid-term and Total Withdrawal Referral System Multi-level referral system most total withdrawals cite academic or financial concerns Submitted by instructors prior to mid-term and throughout semester Students referred to campus or community support programs Students are encouraged to remain in class to at least the last week to withdraw with a grade of W ( beyond the 60% point ), Life Skills Classes first-year experience continued IVYT 101 New Student Seminar Navigating the college system includes: Goal-setting Learning Styles Study and note-taking Managing Personal Finances USA Funds Framework Students presented with information on goal-setting, budgeting, credit reports, identity theft, student loan repayment, and careers after college Professionals invited to the classroom to discuss availability and use of community resources, Continuing Cross-Campus Support Assistant Director of Default Management Default Management Advisory Committee Retention Advisory Committee Academic Status Committee Financial Literacy Programs Annual Finance, Fitness and Fun Fest Money Mondays Annual Financial Literacy Dinner and Workshop Continuous FAFSA workshops Students who are Parents Club, Evidence-based outcomes Retention Rates At 74% Fall 08-to-Spring 09 Richmond campus is one of the highest in the IVTCC system Highest retention rate in the system for full-time, first-time degree-seeking students for Fall 08-to-Spring 09 Fall-to-Fall retention rates have increased since the implementation of Orientation, Retention and Financial Literacy programs Student Loan Default Rates Have dropped 6% since the implementation of Orientation, Retention and Financial Literacy programs Remain more than 2% below the IVTCC system-wide average.