6-12
Basic
FDIC Money Smart - Young People
Topics: Earning, saving vs. spending, needs vs. wants, intro to borrowing Prerequisites: None - entry level; basic counting/money recognition
5-8
Basic
Junior Achievement - JA Ourselves/Our Families/Our Community
Topics: Earning, saving, sharing money, community money flow Prerequisites: None
6-12
Basic
Practical Money Skills (Visa) - Kids
Topics: Earning/saving/spending games, intro concept of a credit card Prerequisites: None; early reading skills helpful
11-14
Basic-Intermediate
Junior Achievement - Middle Grades (Debit and Credit)
Topics: Debit vs. credit comparison, intro credit scores and reporting Prerequisites: Elementary money concepts (earn/save/spend); basic arithmetic
13-18
Intermediate
Khan Academy - Financial Literacy Unit 3 (Credit)
Topics: What credit is, how credit scores are calculated, responsible use Prerequisites: Course Units 1-2 (budgeting/saving); basic reading of financial terms
14-18
Intermediate
FDIC Money Smart - Young Adults (Modules 7-8, 10-11)
Topics: Borrowing basics, credit cards/APR/fees, auto loans, student loans Prerequisites: Youth-level money concepts; understands percentages/budgeting
13-18
Intermediate
Junior Achievement - Finance Park & Personal Finance
Topics: Budgeting with debt, credit card usage, debt management, net worth Prerequisites: Middle-grade debit/credit unit; algebra-level math
12-18
Intermediate
Federal Reserve Education - Middle/High School
Topics: Credit reports/scores, cost of borrowing, consumer protection basics Prerequisites: Pre-algebra math; basic economics vocabulary
16-24
Intermediate
CFPB - Young Adults Tools
Topics: Opening first credit account, payment reporting, minimum payments Prerequisites: Basic arithmetic; understands what a bank account is
18-25
Intermediate
Junior Achievement - Young Adults 18-25
Topics: Applying for a card/loan, managing first debt, building credit history Prerequisites: HS-level JA Personal Finance content; active/imminent credit account
18+
Intermediate
AnnualCreditReport.com
Topics: Requesting free reports; reading a report; spotting errors Prerequisites: Understands what a credit bureau/report is; has SSN/ID info
18+
Intermediate
myFICO - Beginner
Topics: What a FICO Score is; the five score factors Prerequisites: Has seen/requested a credit report
25-60
Advanced
CFPB - Adults
Topics: Credit reports vs. scores, disputes, debt collection rights, mortgages Prerequisites: Credit card basics; understands interest rate concept
25-60
Advanced
FDIC Money Smart - Adults (Modules 6-9,11,13)
Topics: Credit reports/scores, managing debt, credit cards, ID protection, mortgages Prerequisites: Young-adult borrowing knowledge; basic budgeting skills
25-60
Advanced
NFCC - Debt Management Tier
Topics: Debt management plans, negotiating with creditors, collections Prerequisites: Existing credit accounts/debt; understands credit reports/interest
18-60
Advanced
Khan Academy - Unit 5 (Loans and Debt) & Interest/Debt (advanced)
Topics: APR, payday loans, bankruptcy, compound interest, Rule of 72, amortization Prerequisites: Unit 3 credit basics; algebra-level math; exponential functions
18-60
Advanced
Investopedia - Intermediate/Advanced Credit & Debt
Topics: Utilization optimization, consolidation, credit derivatives, securitized debt Prerequisites: Beginner credit vocabulary; active credit account; college-level finance for advanced articles
25-60
Advanced
myFICO - Advanced
Topics: Score simulation/optimization, industry-specific scoring models, rebuilding credit Prerequisites: Intermediate score-factor knowledge; existing credit history to analyze
18-60
Advanced