Ages 11+beginner
Credit Fundamentals
Discover what credit is and why it matters for your financial safety and decisions.
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credit-debt lessons for kids
Explore modules, starter lessons, quizzes, and activities designed to help children understand credit-debt in real life.
Ages 11+advanced
Productive Debt Decisions
Understand why the distinction is productive vs consumptive use.
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Credit Score Builder
Understand why standard credit score factors: Payment history (35%) — most important; Amounts owed/utilisation (30%); Length of credit history (15%); Credit mix (10%); New credit/inquiries (10%).
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Loan Cost Lab
Understand why every loan can be described by three variables: Principal (how much), APR (at what rate), Term (over how long).
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Credit Card Control
Understand why a credit card is a revolving short-term loan.
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Debt Recovery Plan
Understand why debt crisis signals: (1) minimum-payment-only pattern, (2) borrowing for food/rent — debt funding necessities signals income-debt mismatch, (3) hiding debt — shame and secrecy indicate loss of control, (4) missed payments — falling behind signals the debt exceeds repayment capacity.
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