Moneyling NS-12 Managing Credit Course

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About the Course

COURSE DESCRIPTION

Cari, Richie, Amelia, Beatriz, Mallory, and Marquis each take on a different credit challenge, from building a credit score to comparing student loans to weighing alternative financial services. Students learn how borrowing costs, credit reports, and consumer protection laws all connect to build (or damage) a financial future. Aligned with all NS-12 Managing Credit standards, this course builds the confidence to use credit wisely.

The information presented in this course is for educational purposes only and is not intended as financial, investment, or legal advice. Students should not interpret any examples or scenarios as recommendations to buy, sell, or hold specific securities or financial products. Past performance does not guarantee future results. Participants are encouraged to consult a qualified financial advisor or professional before making any personal investment decisions.

Course Information

Categories:

Moneyling’s Content Team

Authors

Jennifer Degenhardt
Story-Based Curriculum & Classroom Integration
Author
Muhammad Ilyas Saeed
Financial Curriculum Creator
Author
Savanha Brubaker
Quality Control, Embedded Tools & Application
Author
Arman Kakar
Financial Curriculum Creator
Author

Editors

Elizabeth Eneadanu
Copyediting & Content Quality
Editor
Bredah W.
Copyediting & Content Quality
Editor
 

Course

$197.00
per year
1 year of access

$197/year – access for 35 students (additional students, $5/each)

Individual course in a comprehensive LMS set-up which includes:

  • alignment with national standards
  • teacher dashboard
  • student dashboard
  • story-based program
  • ready-to-teach lessons
  • worksheets
  • auto-graded quizzes
  • built-in calculators
  • final course exam

$9.97 for week trial (only includes course content; no access to LMS features)

TRIAL $9.97
for 1 week
Enroll Now

Comparing Credit Costs – NS Credit 12-1

Evaluating Credit Costs – NS Credit 12-1: Story Scenario
0
Credit Card Borrowing Costs: NS Credit 12-1a
0
Foundational Math – Percentages & Rate Conversion  –  NS Credit 12-1a
0
Comparing Consumer Credit Options: NS Credit 12-1b
0
Foundational Math – Simple Interest – NS Credit 12-1b
0
Foundational Math – Total Repayment Cost  – NS Credit 12-1b
0
Mid-Course Math – APR vs. Simple Interest Rate  – NS Credit 12-1b
0

Secured vs. Unsecured Loans – NS Credit 12-2

Understanding Secured Loans – NS Credit 12-2: Story Scenario
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: Story Scenario
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: Story Scenario
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: Story Scenario
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: Story Scenario
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
Mid-Course Math – Monthly Payment Estimation  – 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: Story Scenario
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: Story Scenario
0
Factors in Credit Score Calculation: NS Credit 12-8a
0
Mid Course Math – Credit Utilization Ratio  – 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
Mid-Course Math – Debt-to-Income Ratio  – NS Credit 12-10c
0

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

Non-Lending Uses of Credit Scores – NS Credit 12-9: Story Scenario
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: Story Scenario
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
Applied Math – Payoff Timeline Comparisons  – 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: Story Scenario
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: Story Scenario
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: Story Scenario
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
Applied Math – True Cost of Payday Loans  – NS Credit 12-13c
0
Applied Math – Kami’s Credit Journey- NS Credit 12-13
0

Course Review & Feedback for Moneyling 

Course Review 
0

Enroll Now

Course Progress

Course Outline

  • Comparing Credit Costs – NS Credit 12-1
    • Evaluating Credit Costs – NS Credit 12-1: Story Scenario
    • Credit Card Borrowing Costs: NS Credit 12-1a
    • Foundational Math – Percentages & Rate Conversion  –  NS Credit 12-1a
    • Comparing Consumer Credit Options: NS Credit 12-1b
    • Foundational Math – Simple Interest – NS Credit 12-1b
    • Foundational Math – Total Repayment Cost  – NS Credit 12-1b
    • Mid-Course Math – APR vs. Simple Interest Rate  – NS Credit 12-1b
  • Secured vs. Unsecured Loans – NS Credit 12-2
    • Understanding Secured Loans – NS Credit 12-2: Story Scenario
    • 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: Story Scenario
    • 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: Story Scenario
    • 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: Story Scenario
    • 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: Story Scenario
    • 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
    • Mid-Course Math – Monthly Payment Estimation  – 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: Story Scenario
    • 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: Story Scenario
    • Factors in Credit Score Calculation: NS Credit 12-8a
    • Mid Course Math – Credit Utilization Ratio  – NS Credit 12-8a
    • Impact of Credit Scores on Borrowing Costs: NS Credit 12-8b
    • Improving Credit Scores: NS Credit 12-8c
    • Mid-Course Math – Debt-to-Income Ratio  – NS Credit 12-10c
  • Uses of Credit Reports Beyond Borrowing – NS Credit 12-9
    • Non-Lending Uses of Credit Scores – NS Credit 12-9: Story Scenario
    • 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: Story Scenario
    • 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
    • Applied Math – Payoff Timeline Comparisons  – 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: Story Scenario
    • 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: Story Scenario
    • 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: Story Scenario
    • 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
    • Applied Math – True Cost of Payday Loans  – NS Credit 12-13c
    • Applied Math – Kami’s Credit Journey- NS Credit 12-13
  • Course Review & Feedback for Moneyling 
    • Course Review 
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