Team Summit

Help students understand why credit scores matter by using a real-life comparison they can relate to. In this low-prep financial literacy activity, students analyze two people with the same job, income, and goals but very different credit scores. Through real numbers and guided questions, students see how credit impacts rent, loans, interest, and everyday decisions. This lesson works well as a stand-alone activity or as an introduction to credit, budgeting, or personal finance units.

Overview Help students understand why credit card minimum payments can quietly lead to long-term debt. In this real-life financial literacy activity, students analyze a realistic credit card scenario and compare how different payment choices affect interest, payoff time, and total cost. Using clear numbers and guided questions, students see how interest works in a way that feels practical and relevant. This lesson works well as a stand-alone activity or as part of a credit, budgeting, or person