Northeast Ohio Medical University, 4209 St. Rt. 44, PO Box 95, Rootstown, OH 44272, United States.
PGY-1 Pharmacy Practice Resident, Cleveland Clinic Akron General, 1 Akron General Ave, Akron, OH 44307, United States.
Curr Pharm Teach Learn. 2021 Aug;13(8):953-957. doi: 10.1016/j.cptl.2021.06.021. Epub 2021 Jun 19.
Over the past decade, pharmacy school tuition and the subsequent amount of student debt has risen significantly. Additionally, the debt-to-income ratio for pharmacy school graduates increases, making it extremely important to manage personal finance during pharmacy school and beyond. To assess a personal finance elective's effect on students' financial literacy and confidence, a course evaluation study was pursued at Northeast Ohio Medical University (NEOMED).
NEOMED's College of Pharmacy graduating Classes of 2018 through 2021 completed a voluntary, anonymous survey to determine the need and interest for a finance elective in the curriculum. Survey results were grouped by enrollment in the personal finance elective course (i.e. students enrolled and students not enrolled). Students self-identified the category describing their knowledge and confidence in financial decision-making using Likert-style scales.
Of the 106 students who responded, 57 (54%) were not enrolled and 49 (46%) were enrolled in the personal finance elective course. Students in the elective reported significantly higher financial literacy and financial decision-making confidence in many areas, including budgeting, loans, debt, investing, and retirement planning. Ninety-seven percent of study participants determined that a personal finance elective should be made available to students.
Students' financial knowledge and confidence can be positively impacted by a personal finance course. With the increasing student-loan-debt and expected 3% decline in the 10-year job outlook for pharmacist workforce positions, it is essential to provide future pharmacists with financial resources to make sound financial decisions impacting their careers and lives.
在过去的十年中，药学院的学费和随之而来的学生债务大幅上升。此外，药剂学专业毕业生的债务收入比也在增加，因此在药学期间和毕业后管理个人财务变得至关重要。为了评估个人理财选修课程对学生财务知识和信心的影响，东北俄亥俄医科大学（NEOMED）进行了一项课程评估研究。
NEOMED 药学院 2018 年至 2021 年的毕业班级完成了一项自愿的匿名调查，以确定在课程中开设金融选修课程的需求和兴趣。调查结果按个人理财选修课程的注册情况（即已注册和未注册的学生）进行分组。学生使用李克特量表自行确定描述其财务决策知识和信心的类别。
在 106 名回应的学生中，57 名（54%）未注册，49 名（46%）注册了个人理财选修课程。选修课程的学生在许多领域，包括预算、贷款、债务、投资和退休规划，报告了明显更高的财务知识和财务决策信心。97%的研究参与者认为应向学生提供个人理财选修课程。
个人理财课程可以对学生的财务知识和信心产生积极影响。随着学生贷款债务的增加和预计未来 10 年药剂师工作岗位的就业前景下降 3%，为未来的药剂师提供财务资源以做出影响其职业和生活的明智财务决策至关重要。
