Manhattan ? A new report finds that most universities aren’t offering students enough help in understanding the financial burden posed by student loans.

Two Kansas State University professors helped write the white paper, called “Financial Literacy in Higher Education: The Most Successful Models and Methods for Gaining Traction.”

The report outlines different ways to educate students, ranging from classroom-based programs to individual counseling. The paper also identified a need for financial education at universities, noting that many universities do not have a program.

Associate professor Sonya Britt says financial issues are one of the top reasons that students drop out of college. She also stressed that most incoming college students haven’t benefited from financial literacy courses in high school and lack basic money management skills.