EVALUATING THE FINANCIAL LEVELS OF STUDENT CONSUMERS

Financial literacy is a critical skill that empowers individuals to make informed financial decisions, yet manyyoung adults, including students, often lack sufficient knowledge and skills in this area. This study evaluates the financial literacy levels among engineering students at Baguio Central University (BCU) to provide insights intotheir financial behaviors, influences, and attitudes. Using a descriptive quantitative approach, data wascollected via face-to-face surveys among summer classes attendees. The findings reveal moderate to high levels of financial behavior, with students demonstrating strengths in budgeting and price comparison. However, financial influence scores indicate moderate reliance on parental and school guidance, contrasting with lower influence from media and books. Financial attitudes show a moderate emphasis on financial control and saving behaviors but lower interest in financial reading and discussion. These results underscore the need for targeted financial education programs integrating practical skills development and fostering positive financial attitudes among students. The study contributes valuable insights for enhancing financial literacy initiatives tailored to meet the specific needs of engineering students, thereby promoting their financial well-being and preparedness for future financial challenges.