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This study sought to understand why community college students participate in voluntary financial education programs. Through qualitative data from 14 community college students, results suggest community college students are strongly motivated by both relational (friendly staff, accommodating scheduling) and external (cash incentives, building banking history) factors when participating in financial education programs. These results suggest practitioners need to adopt different approaches when marketing and recruiting for financial education programs, especially for working adult students and parents, while strategically partnering with financial institutions to lower the participation bar.