Credit

Credit is a powerful financial tool that allows individuals to buy homes, finance cars, pay for college, and manage expenses. The U.S. economy thrives on responsible credit use, but without proper knowledge, many consumers find themselves trapped in debt. Understanding how to build and manage credit early is essential to long-term financial success.

At Breadwinners Academy, we take a hands-on approach to teaching students how to build credit responsibly, starting at 18, while avoiding common financial pitfalls. We equip students with the knowledge they need to establish strong credit, maintain financial health, and use credit as a stepping stone—not a setback.

What We Cover

📈 FICO 101
The key factors that shape your credit score:

• Payment history

• Credit utilization

• Credit history & age

• Inquiries and their impact

• Installment vs. revolving accounts

💳 Building Credit at 18
The best ways to start establishing credit early and avoid costly mistakes.

🚗 Auto & Home Loans
Understanding borrowing, interest rates, and loan terms.

💰 Credit Cards
How to use them responsibly to build a strong financial future.

Through real-world examples and interactive exercises, students gain the tools to take control of their credit early, avoid debt traps, and build a strong financial foundation.

📢 Want to bring personal credit education to your school or organization?
Contact us today to learn more!