Grades 6–8Ages 11–14 · Unit 3.3 · Credit and Borrowing
The score that follows you: a free credit worksheet for grades 6–8.
A credit score is five numbers in a trench coat, and most adults could not name three of them. Students fill in what helps and what hurts for each factor, then do the part that lands: the same $25,000 car, over the same five years, priced at three different scores.
No account. No email. Nothing collected about your child.
What is on the page
- The five score factors with their weights to complete
- What helps and what hurts, for each one
- A $25,000 car loan priced at 6.2%, 9.8% and 15.4% APR
- An answer page with the loan worked in full
What it teaches
- What actually builds and damages a credit score
- That payment history and amounts owed are most of it
- Turning an interest rate into a dollar difference
How to run it
Have them guess the gap before they calculate it. Most students say a few hundred dollars. It is closer to $6,900 on one car, and the surprise is what makes the rest of the unit land.
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Where it comes from
Unit 3.3 · Credit and Borrowing of a 266-lesson curriculum.
This sheet is one activity, unchanged, from Financial Foundations™. Teachers can run a free five-week pilot with one class. Families can take the Family Edition home.