n a study entitled How Undergraduate Students Use Credit Cards, it was reported that undergraduate students have a mean credit card balance of $3173 (Sallie Mae, April 2009). Assume that a current study is being conducted to determine if it can be concluded that the mean credit card for undergraduate students has increased compared to the April 2009 report. For a sample of 180 students with a sample mean of $3325 and a sample standard deviation of $1000, what is the p-value??