This course introduces students to the fundamentals of personal budgeting—a critical component of financial literacy. Students will learn key concepts about  income, expenses, cashflow, and budgeting that supports both short- and long-term financial goals. Through practical exercises and real-life examples, students will learn to take control of their finances with confidence.

This course equips learners with the knowledge and tools needed to build and maintain a healthy credit profile. Students will learn how credit scores work, what impacts it, specific behaviors and scenarios credit bureaus look out for, how to monitor & manage their credit profile, and the best practices for credit use. By the end of this course, learners will understand how credit influences financial opportunities and their cost of borrowing.

This course unpacks the mechanics of interest rates and how they determine the true cost of borrowing money. Students will explore different types of interest, how interest is calculated, and how to compare credit offers. The course also highlights how compounding, loan terms, and repayment frequency affect total repayment costs (or "Effective Interest"). By mastering these concepts, students will be better prepared to make informed borrowing decisions and avoid unnecessary costs.

This course focuses on the types of loans and credit, and the principles and practices of borrowing in personal finance. Students will learn the differentiators between types of debt, understand lending terms, how to evaluate deal points, assess borrowing capacity relative to their budget, understand their consumer rights and avoid predatory lending. Through practical scenarios, students will develop the skills to make informed borrowing decisions and understand how debt impacts financial health.

This course introduces students to the landscape of lending, from understanding different types of lenders to navigating the application and approval process. Students will learn what lenders evaluate in a borrower, how to prepare for a loan application, and how lending decisions are made. The course also explores consumer rights, red flags, and how to advocate for oneself during the lending process.

This capstone course focuses on how individuals can build equity and increase their purchasing power through strategic financial decisions. Students will explore the concepts of equity in assets like homes and investments, understand how purchasing power is affected by inflation and credit, and learn how to make long-term financial moves that lead to wealth building. By applying the lessons from the previous courses, students will be prepared to pursue financial growth with clarity and purpose.

This course will help consumers that are either enrolled in debt settlement or considering debt relief options understand the debt relief industry, as well as gain deep insight into the entire process of completing a debt settlement program.  It can be a great guide for those newly enrolled in debt settlement.