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Financial Literacy Topic for At-Risk High School Students at CCC


To some local teen-agers, balancing a checkbook means “managing money on stuff that you need and don’t need”; investing works by “putting your money in financial aid”; the stock market is “where you keep up your business”; and taxes are “money you have to pay to live in America.”


 But those same teens know that with credit cards, “what you spend you have to pay back later on”; that interest is “a fee paid by a borrower”; that budgeting “keeps you from going into debt”; and that a key concept of budgeting is “don’t buy what you don’t need.”


Why the discrepancy? The students polled about these everyday financial concepts are only partway through a series of financial literacy seminars being provided to them as part of their enrollment in the summer portion of the Upward Bound college-preparatory program at Camden County College.


JML Financial Group of Cherry Hill is conducting a six-week series in response to one of the New Jersey Core Curriculum Content Standards for 21st-Century Life and Careers, which states that “all students will develop skills and strategies that promote personal and financial responsibility related to financial planning, savings, investment and charitable giving in the global economy.” According to JML Financial Group representative Traci Kelly, who is leading the seminars, financial preparedness is essential for the nation’s economic future as well as for each youth’s individual success.


Charles Stewart, assistant director of Upward Bound, agreed.


“The goal of our program,” Stewart said, “is not only to prepare and equip our students with cessary skills to be successful students, but also to teach them to be good stewards over their lives and finances as they mature.”


Each seminar has included presentation of relevant material and interactive, hands-on activities so that the students can demonstrate their understanding of the concepts. The final two seminars in the series will be presented to students from 2 to 3 p.m. July 24 and 31 on CCC’s Blackwood Campus, which is located at College Drive and Peter Cheeseman Road in Gloucester Township.


For more information or to cover, contact the Office of Institutional Advancement by telephone at (856) 374-4931 or e-mail media relations manager Susan Coulby at

Published: July 19, 2012