Credit & Borrowing

Every time you swipe, tap, or sign is a promise to pay someone back later. This lesson introduces how borrowing works, why lenders charge interest, and what makes someone creditworthy.

Every loan is just four variables fighting each other. This lesson breaks down how principal, interest rate, term, and down payment interact — and why amortization means you pay mostly interest first.

This lesson compares debit and credit cards by funding source, long-term cost, and fraud protection, then puts students in the shoes of a shopper deciding which card to use.

A credit score isn't a vanity number—it's a price tag lenders attach to your reliability. This lesson breaks down the FICO® formula, hard vs. soft inquiries, and the surprising places a low score can quietly cost you.

Debt isn't automatically good or bad. The same $400 loan can build wealth or destroy it. This lesson explores how borrowing gets classified as good or bad, and why predatory lenders turn urgent needs into inescapable traps.

Getting out of debt isn't just about the math—it's about matching a strategy to how your brain actually works. This lesson explores the snowball and avalanche methods and how each balances numbers against human behavior.