Credit & Debt Course for Homeschool Teens (Grades 8–12)

Debt is where more young adults get into serious financial trouble than anywhere else — not because they're careless, but because nobody explained how borrowing works before they signed up. Three plain-language readings, each followed by a quick knowledge check: how credit scores really work (and how to build a strong one), how credit cards and loans actually charge you through interest and APR, and how to handle student loans, payoff strategies, and predatory traps like payday lending. Ends with a 15-question final exam that earns a certificate. Includes a downloadable PDF workbook that reinforces the lessons and adds bonus worksheets — your student runs the real numbers on the minimum-payment trap and the true cost of borrowing — plus vocabulary pages and answer keys for you. Or skip it and stay fully online. No prep. Open-and-go.

Real-World Topics

Credit scores, credit cards, interest and APR, student loans, and the predatory traps — payday loans, minimum payments — that catch young adults off guard. How borrowing really works, not textbook theory.

Learn by Doing

Readings, knowledge checks, and a final exam that earns a certificate — plus an optional printable PDF workbook for pen-and-paper practice. Not just videos to watch.

Buy Once, Teach Every Child

Create the account in your first student's name (that's the name printed on the certificate), and email us to add your other students free — each gets their own account and certificate.

About the course

Here's exactly what you're getting: a self-paced online course built around 3 short readings — each followed by a quick auto-graded knowledge check — plus a 15-question final exam that earns your student a certificate of completion. It also includes a downloadable, printable PDF workbook that reinforces the online lessons and goes further, with two bonus worksheets where your student runs the actual math on the minimum-payment trap and the true cost of borrowing — plus vocabulary pages and full answer keys for you. Your student learns what a credit score really is and how to build a strong one, how to use a credit card without ever paying a dime of interest, how APR quietly turns a purchase into something far more expensive, how to borrow wisely for college, and how to spot predatory traps like payday loans. And the timing matters: most 8th–12th graders are only a few years from their first credit card offer and their first student-loan decision. This is the course that helps them sidestep the mistakes that catch almost everyone. Written for grades 8–12 to complete independently or alongside a parent or teacher — zero prep for you.

Curriculum

1 Chapter · 10 Lessons

1
Credit, Debt & Loans
1. (Included in full purchase)
  Course Overview
2. (Included in full purchase)
  Credit, Debt & Loans Workbook
3. (Included in full purchase)
  Reading 1: Understanding Credit & Your Credit Score
4. (Included in full purchase)
  KNOWLEDGE CHECK — Reading 1
5. (Included in full purchase)
  Reading 2: Credit Cards & Loans — How Borrowing Really Works
6. (Included in full purchase)
  KNOWLEDGE CHECK — Reading 2
7. (Included in full purchase)
  Reading 3: Student Loans, Debt Payoff & Avoiding Traps
8. (Included in full purchase)
  KNOWLEDGE CHECK — Reading 3
9. (Included in full purchase)
  Course Recap
10. (Included in full purchase)
  Final Exam: Credit, Debt & Loans

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$19.99

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