Intermediate: Credit Course

 

Course Price

FREE
Enroll Now

About the Course

The Intermediate Credit Course is designed for learners who want to understand how credit works, the costs associated with borrowing, how to assess creditworthiness, and how to manage debt responsibly. This course follows the National Standards for Financial Literacy and helps learners make informed credit decisions to maintain financial well-being.

Course Information

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Course Instructor

Moneyling Moneyling Author

Comparing Credit Costs – NS Credit 12-1

Evaluating Credit Costs – NS Credit 12-1
0
Credit Card Borrowing Costs: NS Credit 12-1a
0
Comparing Consumer Credit Options: NS Credit 12-1b
0

Secured vs. Unsecured Loans – NS Credit 12-2

Understanding Secured Loans – NS Credit 12-2
0
Examples of Secured and Unsecured Loans: NS Credit 12-2a
0
Interest Rates on Secured vs. Unsecured Loans: NS Credit 12-2b
0
Consequences of Loan Defaults: NS Credit 12-2c
0

Mortgage Loans – NS Credit 12-3

Understanding Mortgage Payments – NS Credit 12-3
0
Mortgage Collateral: NS Credit 12-3a
0
Adjustable-Rate vs. Fixed-Rate Mortgages: NS Credit 12-3b
0
Comparing Mortgage Payments: NS Credit 12-3c
0

Funding Post-Secondary Education – NS Credit 12-4

Paying for College – NS Credit 12-4
0
Sources of Education Funding: NS Credit 12-4a
0
Role of FAFSA: NS Credit 12-4b
0
Identifying Scholarships and Grants: NS Credit 12-4c
0
Community College Cost Savings: NS Credit 12-4d
0

Federal vs. Private Student Loans – NS Credit 12-5

Comparing Student Loans – NS Credit 12-5
0
Federal vs. Private Loan Comparison: NS Credit 12-5a
0
Applying for Student Loans: NS Credit 12-5b
0
Estimating Loan Interest: NS Credit 12-5c
0
Consequences of Deferred Payments: NS Credit 12-5d
0

Down Payments – NS Credit 12-6

Role of Down Payments – NS Credit 12-6
0
Examples of Loans Requiring Down Payments: NS Credit 12-6a
0
Estimating Down Payments: NS Credit 12-6b
0
Impact of Down Payment on Loan Payments: NS Credit 12-6c
0
Importance of Down Payments to Lenders: NS Credit 12-6d
0

Credit Reports and Creditworthiness – NS Credit 12-7

Understanding Credit Reports – NS Credit 12-7
0
Primary Credit Reporting Agencies: NS Credit 12-7a
0
Value of Credit Report Information: NS Credit 12-7b
0
Obtaining a Free Credit Report: NS Credit 12-7c
0
Disputing Credit Report Errors: NS Credit 12-7d
0

Credit Scores – NS Credit 12-8

Credit Score Basics – NS Credit 12-8
0
Factors in Credit Score Calculation: NS Credit 12-8a
0
Impact of Credit Scores on Borrowing Costs: NS Credit 12-8b
0
Improving Credit Scores: NS Credit 12-8c
0

Uses of Credit Reports Beyond Borrowing – NS Credit 12-9

Non-Lending Uses of Credit Scores – NS Credit 12-9
0
Use of Credit Reports by Employers and Landlords: NS Credit 12-9a
0
Benefits of a Good Credit Score: NS Credit 12-9b
0
Soft vs. Hard Credit Inquiries: NS Credit 12-9c
0

Debt Management Assistance – NS Credit 12-10

Managing Debt – NS Credit 12-10
0
Impact of Failing to Repay Loans: NS Credit 12-10a
0
Sources of Debt Management Assistance: NS Credit 12-10b
0
Creating a Debt Management Plan: NS Credit 12-10c
0
For-Profit vs. Non-Profit Credit Counseling: NS Credit 12-10d
0

Bankruptcy – NS Credit 12-11

Understanding Bankruptcy – NS Credit 12-11
0
Purpose of Bankruptcy Laws: NS Credit 12-11a
0
Effects of Bankruptcy: NS Credit 12-11b
0
Liquidation vs. Reorganization Bankruptcy: NS Credit 12-11c
0

Consumer Credit Protection Laws – NS Credit 12-12

Protecting Borrowers – NS Credit 12-12
0
Rationale for Credit Disclosure Laws: NS Credit 12-12a
0
Importance of Consumer Protection: NS Credit 12-12b
0
Finding Credit Rights Information: NS Credit 12-12c
0

Alternative Financial Services – NS Credit 12-13

Exploring Alternative Financial Services – NS Credit 12-13
0
Examples of Alternative Financial Products: NS Credit 12-13a
0
Costs and Benefits of Alternative Services: NS Credit 12-13b
0
Cycle of Debt with Payday Loans: NS Credit 12-13c
0
Course Review 
0
 

Course Price

FREE
Enroll Now

Course Outline

  • Comparing Credit Costs – NS Credit 12-1
    • Evaluating Credit Costs – NS Credit 12-1
    • Credit Card Borrowing Costs: NS Credit 12-1a
    • Comparing Consumer Credit Options: NS Credit 12-1b
  • Secured vs. Unsecured Loans – NS Credit 12-2
    • Understanding Secured Loans – NS Credit 12-2
    • Examples of Secured and Unsecured Loans: NS Credit 12-2a
    • Interest Rates on Secured vs. Unsecured Loans: NS Credit 12-2b
    • Consequences of Loan Defaults: NS Credit 12-2c
  • Mortgage Loans – NS Credit 12-3
    • Understanding Mortgage Payments – NS Credit 12-3
    • Mortgage Collateral: NS Credit 12-3a
    • Adjustable-Rate vs. Fixed-Rate Mortgages: NS Credit 12-3b
    • Comparing Mortgage Payments: NS Credit 12-3c
  • Funding Post-Secondary Education – NS Credit 12-4
    • Paying for College – NS Credit 12-4
    • Sources of Education Funding: NS Credit 12-4a
    • Role of FAFSA: NS Credit 12-4b
    • Identifying Scholarships and Grants: NS Credit 12-4c
    • Community College Cost Savings: NS Credit 12-4d
  • Federal vs. Private Student Loans – NS Credit 12-5
    • Comparing Student Loans – NS Credit 12-5
    • Federal vs. Private Loan Comparison: NS Credit 12-5a
    • Applying for Student Loans: NS Credit 12-5b
    • Estimating Loan Interest: NS Credit 12-5c
    • Consequences of Deferred Payments: NS Credit 12-5d
  • Down Payments – NS Credit 12-6
    • Role of Down Payments – NS Credit 12-6
    • Examples of Loans Requiring Down Payments: NS Credit 12-6a
    • Estimating Down Payments: NS Credit 12-6b
    • Impact of Down Payment on Loan Payments: NS Credit 12-6c
    • Importance of Down Payments to Lenders: NS Credit 12-6d
  • Credit Reports and Creditworthiness – NS Credit 12-7
    • Understanding Credit Reports – NS Credit 12-7
    • Primary Credit Reporting Agencies: NS Credit 12-7a
    • Value of Credit Report Information: NS Credit 12-7b
    • Obtaining a Free Credit Report: NS Credit 12-7c
    • Disputing Credit Report Errors: NS Credit 12-7d
  • Credit Scores – NS Credit 12-8
    • Credit Score Basics – NS Credit 12-8
    • Factors in Credit Score Calculation: NS Credit 12-8a
    • Impact of Credit Scores on Borrowing Costs: NS Credit 12-8b
    • Improving Credit Scores: NS Credit 12-8c
  • Uses of Credit Reports Beyond Borrowing – NS Credit 12-9
    • Non-Lending Uses of Credit Scores – NS Credit 12-9
    • Use of Credit Reports by Employers and Landlords: NS Credit 12-9a
    • Benefits of a Good Credit Score: NS Credit 12-9b
    • Soft vs. Hard Credit Inquiries: NS Credit 12-9c
  • Debt Management Assistance – NS Credit 12-10
    • Managing Debt – NS Credit 12-10
    • Impact of Failing to Repay Loans: NS Credit 12-10a
    • Sources of Debt Management Assistance: NS Credit 12-10b
    • Creating a Debt Management Plan: NS Credit 12-10c
    • For-Profit vs. Non-Profit Credit Counseling: NS Credit 12-10d
  • Bankruptcy – NS Credit 12-11
    • Understanding Bankruptcy – NS Credit 12-11
    • Purpose of Bankruptcy Laws: NS Credit 12-11a
    • Effects of Bankruptcy: NS Credit 12-11b
    • Liquidation vs. Reorganization Bankruptcy: NS Credit 12-11c
  • Consumer Credit Protection Laws – NS Credit 12-12
    • Protecting Borrowers – NS Credit 12-12
    • Rationale for Credit Disclosure Laws: NS Credit 12-12a
    • Importance of Consumer Protection: NS Credit 12-12b
    • Finding Credit Rights Information: NS Credit 12-12c
  • Alternative Financial Services – NS Credit 12-13
    • Exploring Alternative Financial Services – NS Credit 12-13
    • Examples of Alternative Financial Products: NS Credit 12-13a
    • Costs and Benefits of Alternative Services: NS Credit 12-13b
    • Cycle of Debt with Payday Loans: NS Credit 12-13c
    • Course Review 
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