This report uses the results from Trellis’ Student Financial Wellness Survey to define three factors of student financial well-being. The study combines these factors with the Institute for Higher Education Policy’s Postsecondary Value Framework to determine how the financial well-being of an institution’s students is related to the institution’s ability to meet the minimum economic return or T0 threshold. The study finds that postsecondary institutions that have more students with low financial well-being are also likely to have lower economic returns, although most institutions do provide students with a minimum economic return on their education.