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HSFPP Stories of Impact

Credit Code of Behavior Statements Lead to Thoughtful Conversations

HSFPP Stories of Impact

real teachers real stories

by Laurie Gardner, Marine City, Mich.

The "aha" moment that sticks out for the 2017-2018 school year was during Module 2, Borrowing. I especially like this lesson because students typically don't know anything about credit scores before entering my classroom.

We were working through the "Credit Code of Behavior" challenge. I like this because it gets students thinking about all aspects of their credit score and different things that will impact it. Students had to write their own code of conduct when it comes to their choice to borrow money or not borrow money in the future.

While they were working on this assignment, the conversations that started between students were amazing. It even lead to them going home and discussing their codes of conduct with their parents! It was evident their code of conduct statements would impact future borrowing decisions and put their values into practice.

They were all very fearful of having poor credit scores, and this helped them to develop goals for their credit use after high school. It is moments like this – when I hear they are going home to discuss with their parents – which I love as an educator. They get the material and realize how relevant the subject of financial literacy really is.