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The authors explore trans-spectrum student financial experiences through a holistic model of financial wellness. Responses from the 2017 Study on Collegiate Financial Wellness were used to compare the financial wellness of trans-spectrum students to a sample of cisgender students, as well as to explore how students with diverse trans-spectrum identities may have varying financial experiences. Results indicated that trans-spectrum students have lower average scores than their cisgender peers on several financial wellness measures, including financial optimism and financial self-efficacy, but had higher scores than cisgender students on the financial strain measure. However, there were no significant differences between trans-spectrum students and cisgender students on the negative and positive financial management measures or sources of educational funding. Limited differences were found between trans-spectrum students with different gender identities. These findings indicate that the harmful effects of genderism on trans-spectrum students’ physical and mental wellness may also extend to financial wellbeing, but that trans-spectrum students also show evidence of coping to manage their financial resources.

An exploratory analysis of financial wellness of trans-spectrum college students