Parents may not realize, but recession woes affect teens significantly, especially teen-aged girls, according to a new survey by Bank of America and Seventeen Magazine.

Among the survey findings:

Teen Money Stress - Teen girls are stressed about the economy (85% vs. 75% of teen boys), and more about having enough money (88% vs. 82% of teen boys).

Financial Worries Bring Teens Down - Teen girls are more likely to be stressed about finding a way to pay for college than teen boys (69% vs. 59%). They are also more likely to have feelings of anxiety, depression or fear (64% vs. 50% of teen boys), fights with family (47% vs. 31% of teen boys), and fights with friends (34% vs. 24% of teen boys) because of money.

College Plan B - Four in 10 teens (38%) have had to alter their college plans in some way because of the current economic downturn, while one in five have had to either go with their second choice of because of cost or attend a state school instead of a private one in order to save money.

 *Survey Methodology: Administered a 28-question online survey to 2,000 U.S. teens between the ages of 16 and 21. Interviews were conducted from April 14-21, 2009. Margin of error is +/- 2.2%.

I wonder why girls, in particular, are more likely to internalize financial stress than boys? Is it because girls are more sensitive to their parents stresses or because they are more likely to be consumers with discretionary spending?