Time frame: 60 mins Audience: post-secondary students in their second year of studies Learning objectives for participants: understand what credit is and how it works learn how debt can pile up and have negative consequences on future financial plans understand the difference between good debt and bad debt, and the value of having a good credit rating learn practical ways to take control of finances Outline: how credit works how debt accumulates opportunity cost good debt vs bad debt what you need to know about credit ratings how to take control of your finances before they take control of you resources Q&A Learning materials: Understanding Your Credit Score — explains credit history, credit reporting and credit score Defining Your Financial Goals — helps define and set financial goals for the next several years Take a Situational Selfie — helps understand current financial situation by looking at budget activity Balancing Your Budget — helps find unnecessary expenses and how much can be saved by cutting them out Questions? For questions, please email us. Want a session in your area? We will provide a CPA volunteer to lead the session with a prepared presentation, activities, handouts and worksheets. Note: If more than one session is needed, please fill out a second form and submit. Request guidelines: 12 weeks’ notice needed to setup a session. Requests must be submitted by the request deadline. If more than five sessions are needed, please contact us directly. For more information, visit setting up a financial literacy session.