🛡️ Student Mental Health Series *coming soon
Course overview
Lesson Overview

14.23 – Understanding Credit, Debt, and Saving Early: Credit is like trust—it builds over time through consistent responsibility. Using a debit card, paying small bills on time, or opening a starter savings account all lay groundwork for strong credit. Debt isn’t always bad; it becomes dangerous only when ignored. Learning interest rates, due dates, and minimum payments helps you manage rather than fear money. Saving early, even a few dollars, teaches control and foresight. Think of credit as your reputation with money—it grows with care and shrinks with neglect. Avoid impulse purchases that trade short happiness for long stress. Every financial decision, no matter how small, shapes your independence. Managing credit wisely turns adulthood from chaos into structure. Understanding finances now prepares you for freedom later. Wealth begins with choices, not chances, and small smart habits compound into lifelong security.

About this course

Trauma-informed mental wellness lessons that help students manage emotions, build resilience, and stay safe in real-world situations—like bullying, grief, violence, and poverty. Built for schools, youth programs, and Medicaid-compliant services.

This course includes:
  • Step-by-step guidance for handling social pressure, conflict, and unsafe situations
  • Stories and messages that encourage students to speak up, stay safe, and take control of their future
  • Flexible learning options for classrooms, after-school programs, and independent use

Our platform is HIPAA, Medicaid, Medicare, and GDPR-compliant. We protect your data with secure systems, never sell your information, and only collect what is necessary to support your care and wellness. learn more

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