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Student Money Readiness 2026

How financially prepared are today’s students?

A report on what students say and what their real financial behaviour shows about financial preparedness.

Combining survey responses from almost 800 students with real spending insights from 40,000 students, this report explores:

  • How financially prepared do students feel for the year ahead and what do their actual finances tell us?
  • Where do they cut back when money gets tight?
  • When can financial pressure start to become a risk to continuation?
  • How does the picture differ between new and returning students, and home and international students?
  • What can institutions do to prepare students earlier and identify financial vulnerability sooner?
  • How can businesses help to alleviate financial pressure and improve access to opportunity?

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