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Women undergraduate students have drastically increased in higher education over the last three decades. The increase in more students has come at a time when we have witnessed unprecedented cost increases associated with the cost of attending a four-year higher education institution. The increases can be associated with not only increases in tuition but increases associated with mandatory fees. These fees are associated with programs and services that enhance the collegiate experience. Conversely, little is known concerning how holistic experiences can shape payment methods. Our findings suggest that demographic characteristics, university knowledge, knowledge and attitudes towards mandatory fees, and several of the academic capital subsets all shape women's payment methods.