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Credit Reports and Credit Bureaus
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This lesson will provide high school students with information about what information is collected by the three main credit bureaus and included on a credit report, and how credit bureaus share the information. Free resources for viewing personal credit scores also discussed.

Subject:
Business and Communication
Education
Finance
Material Type:
Activity/Lab
Lesson
Lesson Plan
Date Added:
07/10/2019
Education, Income, and Wealth
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Educational Use
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No surprise—people with more education often earn higher incomes and are unemployed less than those with less education. Those with higher incomes also tend to accumulate more wealth. Why? Research shows that well-educated people tend to make financial decisions that help build wealth. Their strategies, though, can be used by anyone.

Subject:
Business and Communication
Economics
Finance
Social Science
Material Type:
Lesson
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Page One Economics
Author:
Scott A. Wolla
Date Added:
09/11/2019
The FYE 105: Financial Literacy Curriculum Unit
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The FYE 105: Financial Literacy Curriculum Unit was developed for use in a First-Year Experience course to provide students with an understanding of: the relationship between human capital development and potential income and the chances of staying employed; budgeting; credit cards; and credit rights and responsibilities. The curriculum was implemented in an urban community college FYE course and was successful. We provide the curriculum for others who may wish to use it in a similar course.

Subject:
Economics
Social Science
Material Type:
Lesson
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
09/11/2019
Fast Cash and Payday Loans
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Payday loans are convenient and provide FAST cash to cover emergency situations or help pay a borrower’s expenses from one paycheck to the next. But the fee-based structure of payday lending is quite different from a traditional loan, and laws vary among the states. The April 2019 edition of Page One Economics®: Focus on Finance takes a look at the structure and fees that make these loans costly.

Subject:
Business and Communication
Economics
Finance
Social Science
Material Type:
Lesson
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Page One Economics
Author:
Jeannette Bennett
Date Added:
09/11/2019
FinTech: Shaping the Financial World
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CC BY-NC-SA
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This course about financial technology, or FinTech, is for students wishing to explore the ways in which new technologies are disrupting the financial services industry—driving material change in business models, products, applications and customer user interface. Amongst the significant technological trends affecting financial services into the 2020’s, the class will explore AI, deep learning, blockchain technology and open APIs. Students will gain an understanding of the key technologies, market structure, participants, regulation and the dynamics of change being brought about by FinTech.

Subject:
Applied Science
Business and Communication
Computer Science
Engineering
Finance
Material Type:
Full Course
Provider:
MIT
Provider Set:
MIT OpenCourseWare
Author:
Gensler, Gary
Date Added:
02/01/2020
Give Ell Credit Online Course for Teachers and Students
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Using some form of credit is a necessity for most adults. Unfortunately, some misuse credit, and the consequences can be devastating. The earlier young people learn about credit, the more likely they are to use it responsibly as adults. In this short course from our Ella’s Adventures series, your students will learn what credit is, why people use credit, and how interest can affect the final cost of a good or service when bought on credit.

Subject:
Economics
Social Science
Material Type:
Full Course
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
09/11/2019
How Will I Pay for My Car?
Conditional Remix & Share Permitted
CC BY-SA
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Acquiring the use of a car is a rite of passage for high school students. In this personal financial literacy lesson, students will investigate the cost of a car, types of lending agencies, and additional costs associated with car ownership. This lesson does require that students have access to the internet for research purposes. This lesson includes optional modifications for distance learning. Resources for use in Google Classroom are included.

Subject:
Business and Communication
Finance
Material Type:
Lesson Plan
Author:
Kristen Sublett
Melissa Gunter
Niky Styers
Susan McHale
Date Added:
07/08/2024
It's Your Paycheck Curriculum Unit
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It's Your Paycheck! is designed for use in high school personal finance classes. The curriculum contains three sections: "Know Your Dough," "KaChing!" and "All About Credit." The lessons in each of these sections employ various teaching strategies to engage students so that they have opportunities to apply the concepts being taught. Each lesson includes black-line masters of the handouts and visuals needed to teach the lesson.

Subject:
Business and Communication
Economics
Finance
Social Science
Material Type:
Lesson
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
10/06/2014
It’s Your Paycheck! Lesson 6: Credit Reports--and You Thought Your Report Card Was Important
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Educational Use
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Students learn and discuss the advantages and disadvantages of using credit. They read a scenario about a young person's use of a credit card and answer questions regarding repayment. They learn about credit history, credit reports and credit-reporting agencies.

Subject:
Economics
Social Science
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
06/04/2024
It's Your Paycheck! Online Course for Teachers and Students
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Educational Use
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It's Your Paycheck! is designed to introduce personal finance content. Course participants learn about a variety of personal finance topics including the link between education and income, budgeting, the benefits of saving, and credit reports. These learning modules will help participants make sense of W-2s, W-4s, pay -day Loans and APRs in an interactive online format. It's Your Paycheck! consists of nine individual programs that can be used together or individually to enhance personal finance learning.

Subject:
Economics
Social Science
Material Type:
Full Course
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
09/11/2019
Mortgages Lesson Guide
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CC BY-NC
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Estimated Lesson Time: 95 Minutes

Students will be able to:
-Understand how down payment, interest rate, term, loan type, and amortization table work together to impact overall mortgage payments
-Recognize the pros and cons of fixed- and adjustable-rate mortgages
-Determine whether a home equity loan or line of credit is a viable loan option
-Decide whether renting or buying makes the most sense

Subject:
Business and Communication
Finance
Material Type:
Lesson Plan
Author:
Next Gen Personal Finance
Date Added:
06/13/2024
Navigating Credit: Essential Concepts and Terminology
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CC BY-NC
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Students will comprehend essential credit concepts, emphasizing the purpose and role of credit, the significance of maintaining a healthy credit rating, and key terms including APR, grace period, late fees, finance charges, default rates, interest, and closing costs.

Subject:
Economics
Social Science
Material Type:
Lesson Plan
Author:
Utah Lesson Plans
Date Added:
06/05/2024
Navigating Credit: Essential Concepts and Terminology
Conditional Remix & Share Permitted
CC BY-NC
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Students will comprehend essential credit concepts, emphasizing the purpose and role of credit, the significance of maintaining a healthy credit rating, and key terms including APR, grace period, late fees, finance charges, default rates, interest, and closing costs.

Subject:
Economics
Social Science
Material Type:
Lesson
Author:
Sam Sotor Finance In The Classroom 7-12 Grade Teacher Task Force
Date Added:
06/04/2024
One Hen: How One Small Loan Made a Big Difference
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Educational Use
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Students learn the definition of entrepreneurship and are introduced to the characteristics of entrepreneurs. Students are asked to apply these characteristics to themselves and people in their own communities by completing a story pyramid and then writing a short story that demonstrates how entrepreneurial activity can contribute to higher standards of living.

Subject:
Economics
English Language Arts
Social Science
Material Type:
Lesson
Lesson Plan
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Author:
Todd Zartman
Date Added:
09/11/2019
On the Move: Renting Basics
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The February 2018 issue of Page One Economics: Focus on Finance focuses on an important milestone in transitioning to adulthood—getting your own place. The article discusses important topics related to renting, including careful preparation and effective planning, a realistic budget, weighing options against important criteria to make the best choice, and understanding a lease.

Subject:
Business and Communication
Economics
Finance
Social Science
Material Type:
Lesson
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Page One Economics
Author:
Kris Bertelsen
Date Added:
09/11/2019
Peer-to-Peer Lending
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Where can borrowers get loans when banks and credit unions aren't an option? Maybe a low credit score, lack of collateral, or small loan amount don't fit with large lending sources. The November 2015 issue of Page One Economics: Focus on Finance describes a growing trend—peer-to-peer lending—as an alternative for borrowers and potential investment opportunity for lenders.

Subject:
Business and Communication
Economics
Finance
Social Science
Material Type:
Lesson
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Page One Economics
Author:
Katherine Ren
Date Added:
09/11/2019
The Smart-Chip Credit Card: A Current Solution
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The familiar magnetic stripe credit cards used for decades in the United States are being phased out. Read about the new smart-chip credit cards, designed to reduce fraud and improve security, in the March 2016 issue of Page One Economics: Focus on Finance.

Subject:
Business and Communication
Economics
Finance
Social Science
Material Type:
Lesson
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Page One Economics
Author:
Jeannette Bennett
Date Added:
09/11/2019
Smart Credit Choices: Empowering Your Financial Journey
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CC BY-NC
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Students will be able to explore credit-related concepts and tools, delving into key terms including credit, credit cards, installment loans, revolving credit, student loans, mortgage, payday loans, predatory lenders, and simple interest in this lesson.

Class Time Needed: 75-83 minutes (block schedule class-time)

Subject:
Business and Communication
Finance
Material Type:
Lesson Plan
Author:
Sam Sotor
Date Added:
06/05/2024