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Community college students are doing a better job at managing their money than their four-year counterparts, according to a new survey by EverFi and Higher One. The survey of nearly 85,000 students from four-year schools and 4,300 from two-year schools found that overall fewer students reported smart financial behaviors such as planning to save, sticking to a budget and paying their bills on time. Moreover, only 1 in 10 students said they were prepared to pay back their college loans upon graduation, the report says.