This study examined the determinants of financial responsibility among university students. The researcher hypothesized that gender, year in college, number of credit cards owned, employment status, and time worked would influence students' financial responsibility levels. A survey was administered to 55 students, and their responses were analyzed using ANOVA, regression, and correlation analyses. The results found that none of the independent variables had a statistically significant impact on financial responsibility. However, the correlations were in the expected directions, with financial responsibility decreasing with more credit cards and increasing with employment. The study was limited and only accounted for 6.3% of variation, suggesting other major factors influence students' financial responsibility.