Credit plays a powerful role in personal finance and everyday life — from buying a car to renting an apartment, applying for a job, or building financial independence. This course is designed to provide learners of all ages with a clear understanding of what credit is, how it works, and how to use it responsibly.

Participants will explore the basics of credit, including credit scores, credit reports, interest rates, and types of credit (such as credit cards, loans, and lines of credit). Through real-world examples, interactive activities, and age-appropriate discussions, students will learn how to make smart credit decisions, avoid common pitfalls like debt and fraud, and build strong credit habits that support long-term financial goals.

Whether you're a student just learning about money, a young adult preparing for financial independence, or an adult looking to improve your credit health, this course provides the tools and confidence to manage credit wisely.

Key Topics Covered:

• What is credit and why it matters

• How credit scores are calculated

• Building and maintaining good credit

• Using credit cards responsibly

• Understanding loans and interest

• Avoiding debt traps and scams

• Reading and monitoring credit reports

• Smart credit strategies for every life stage