Moneyling NS-12 Managing Credit Course

About the Course

Credit is one of the most powerful — and misunderstood — tools in personal finance.
In Moneyling: Managing Credit, students follow relatable, story-based journeys that bring complex financial concepts to life. Each character faces a challenge that mirrors real decisions young adults encounter as they begin building their financial identities.

Cari learns how credit scores are formed and why timely payments matter. Richie explores auto loans and compares secured versus unsecured credit options. Amelia navigates student loans and understands how repayment choices impact long-term goals. Beatriz investigates credit reports and learns how to dispute errors and safeguard against fraud. Mallory examines the cost of borrowing and the hidden risks of buy-now-pay-later offers. Marquis weighs the pros and cons of alternative financial services and learns how responsible credit use builds future opportunities.

Aligned with all Grade 12 National Standards for Personal Financial Education (NS-12) Managing Credit objectives, this course helps students understand borrowing, interest rates, repayment, and the power of maintaining a strong credit history. Through story-driven examples and interactive analysis, learners develop the critical thinking and financial confidence to manage credit wisely and protect their financial future.

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

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

$179.99
per year
1 year of access
  • Comprehensive Educator LMS setup with ready-to-teach lessons, auto-grade quizzes, and built-in calculators for exploration. 

    Covers up to 70 students per subscription.

    Please note: Instructor Dashboard, quizzes, and assignments are not available during the trial period.

Comparing Credit Costs – NS Credit 12-1

Secured vs. Unsecured Loans – NS Credit 12-2

Mortgage Loans – NS Credit 12-3

Funding Post-Secondary Education – NS Credit 12-4

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

Down Payments – NS Credit 12-6

Credit Reports and Creditworthiness – NS Credit 12-7

Credit Scores – NS Credit 12-8

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

Debt Management Assistance – NS Credit 12-10

Bankruptcy – NS Credit 12-11

Consumer Credit Protection Laws – NS Credit 12-12

Alternative Financial Services – NS Credit 12-13

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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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