Starting college can be bewildering, as students try to navigate campus, remember roommates’ names, and find a quick, cheap pizza supplier. Small wonder, then, that personal finance can take a back seat.

Only half of four-year college students and 60% of students at two-year schools regularly check their account balances, according to a recent survey by EverFi and Higher One. Worse, 46% of students at four-year colleges and 40% of those at two-year institutions don’t stop spending when their resources run low…