As nearly 1.8 million students head off to college for the first time this fall, they say they'll miss many things about home ... but money is last on the list.

According to the First USA Financial Index, loved ones will be missed most, with 33 percent choosing their family and another 20 percent their friends. Mooching money from dad or mom came in dead last at 4 percent, behind such luxuries as home-cooked meals and having laundry washed (9 percent each) and even one's own private bathroom or shower (6 percent).

"The results from the First USA Financial Index indicate that today's college freshmen are hard-working and eager to make their own way in the world," Doug Filak, Senior Vice President of Marketing Strategy at First USA, said. "Many of them are mindful of their money matters, and realize the importance of financial responsibility."

According to study, one out of three college freshmen has already determined a budget for the upcoming year.

The company also found that only one in 10 students will rely solely on his or her parents to cover college tuition and expenses this fall. About a third will receive financial aid, scholarships or student loans, while nearly half say that they will use a combination of several methods, including parental contributions.