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The bottom line As students transition out of school and into the workforce, the good financial habits they developed with a student credit card could lead to good lifetime financial habits

Morgan Polikoff, a professor at the University of Southern California Rossier School of Education who led the study, said longitudinal data on these indicators was hard to find on a large number of state report card sites, and that most of them are challenging to navigate

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Retrieved October 29, 2025