Credit & Debt
Credit can help you rent an apartment, finance a car, or handle a surprise expense — or it can follow you for years. This course explains credit scores, credit cards, APR, and loans so you can borrow on your terms.
- Difficulty: Beginner
- 7 modules
- Estimated time: 1 hr 25 min
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What you'll be able to do
- Explain what a credit score measures and what raises or lowers it
- Read a credit card statement and understand the grace period
- Calculate how APR and minimum payments change what you really pay
- Compare common loan types and their tradeoffs
- Recognize debt traps like payday loans and stacked buy-now-pay-later plans
Lessons
Each module includes a short lesson, a visual explanation, a real-world example, an interactive activity, and a knowledge check.
- 01What Credit IsBorrowing now, paying later — and why lenders care about trust.10 min
- 02Credit ScoresWhat goes into a score, why it matters, and how to build one from zero.14 min
- 03How Credit Cards WorkStatements, grace periods, credit limits, and utilization.12 min
- 04APR and InterestHow interest is charged — and why minimum payments are so expensive.14 min
- 05Types of LoansInstallment vs. revolving: auto, student, personal, and home loans.12 min
- 06Debt TrapsPayday loans, stacked buy-now-pay-later plans, and how debt spirals start.10 min
- 07Borrowing ResponsiblyQuestions to ask before you borrow, and strategies for paying debt down.12 min
- Final course quizScenario-based questions covering the whole course