Abstract:

In recent years, the role of governments and employers in managing investments on behalf of individuals has begun to decline. As a result of the changing structure, the responsibilities of individuals to manage their own income and to secure their financial future are increasing.With increasing responsibility, individuals have had to be more careful and selective. The fact that most individuals, especially young people, do not have enough information about personal finance issues such as budgeting, investment, credit and spending, has caused them to make wrong financial decisions. This study was carried out in order to determine how the financial literacy status of university students changes throughout their university life. As a result of the study, it has been determined that there is an increase in the financial literacy levels of the students from the 1st to the 4th grade, from low and very low levels to medium and high levels. In general, it was determined that the students were moderately financially literate at all grade levels except the 3rd grade (high). It has been determined that the average of correct answers given by the students to the questions in the sub-level titles of financial literacy increases as the class progresses, in almost every grade and every sub-level. 

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