In university education, it is crucial to identify elements that affect financial knowledge in Oruro, Bolivia. Determining factors were found in first-year students on financial education. Using a binary logistic model with 302 surveys, influential variables in subjective financial understanding were recognized, such as: having another occupation, money management, behavioral finance, free coexistence, monthly savings, financial planning, and access to credit. These findings will allow the creation of strategies focused on optimizing financial education.