Courses

Complete learning experiences on over a dozen topics. Log in to continue a saved course.

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Budget Basics

27 minutes

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From setting goals to paying off loans, the basics of effective budget management.

  • Introduction to Budgeting
    Why and how to budget.
  • Income and Expenses
    A big part of budgeting is identifying income and listing expenses.
  • Making Sense of Your Budget
    After you've identified your income and tracked your spending, it's time to compare the numbers, gain perspective, set priorities, and make changes.
  • Tracking Your Spending
    A simple way to get the most from your monthly budget.
  • How to Improve Cash Flow
    Cash flow is a key indicator of your financial health.
  • Money Saving Ideas
    Looking for ideas for ways to save money now? Almost everyone can find a way to save using at least one of these tips.
  • Nudging Yourself Toward Your Goals
    No matter what your financial goal, it's important to have an accountability system in place.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
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Buying a Car

30 minutes

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From choosing a make and model to financing a purchase, topics every consumer should understand when buying a car.

  • Buying a Car Introduction
    An introduction to the basics of this major purchase and responsibility.
  • Choosing a Make and Model
    A look at four important factors to consider when choosing a car: fuel consumption, insurance rates, reliability, and depreciation.
  • The Total Cost of Ownership
    Understanding the many costs associated with owning a car - from financing to taxes.
  • Buy or Lease?
    Understanding the pros and cons of vehicle leasing.
  • Financing a Car Purchase
    How a loan affects the total cost of buying a car.
  • Evaluating a Used Car
    How to "do your homework" before buying a used car.
  • Negotiating Your Car Purchase
    Effective negotiation could potentially save you thousands on your next car purchase.
  • Setting a Target Price
    How to set a realistic target price for both new and used vehicles.
  • Negotiating Price
    Know what to expect when negotiating the best deal.
  • Avoiding Surprises
    Think the negotiating is finished when you agree on a price? Here's how to negotiate dealer extras and extended warranty pitches.
  • Common Mistakes When Buying a Car
    Twelve common mistakes to keep in mind when shopping for a car.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
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Family Planning

29 minutes

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Learn ways to ensure the financial security of your family and children.

  • Introduction
    Having a baby is not just a family decision, it's a financial decision too.
  • Talking About Money
    A look at some of the financial considerations of getting married.
  • Babies and Budgets
    How to get your finances in shape before a baby arrives, including a budget review, paying down debt, making sure you're getting the best on any long-term debt, and creating an emergency fund.
  • Paying for the Baby Years
    The non-childcare costs you can expect when having a baby, from cribs to health insurance.
  • Childcare Choices
    An overview of different childcare choices and the financial implications of each.
  • Managing Risks
    Life is filled with unexpected events. Learn how to ensure the financial security of your child in the worst case scenario.
  • Children and Taxes
    A review of the tax benefits that can help you manage the expenses incurred with children.
  • Growing Up - Childhood and Beyond
    A look at the additional costs of raising a child beyond the first few years including the indirect costs.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
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Financial Aid - Repayment Strategies

40 minutes

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Learn about the types of student loan repayment strategies and plan options.

  • The Standard Repayment Plan
    Of all federal student loan repayment options, the Standard Repayment Plan is the quickest way to repay your loans at the lowest possible total cost.
  • The Graduated Repayment Plan
    After the Standard Repayment Plan, the Graduated Repayment Plan is the next least expensive way to repay your federal loan and offers lower payments for the first four years.
  • The Extended Repayment Plan
    The Extended Repayment Plan spreads student loan payments over up to 25 years for those with federal student loan balances over $30,000.
  • The Income-Based Repayment Plan
    This plan offers borrowers of qualifying loans a flexible payment schedule based on yearly income. A financial hardship is required.
  • The Pay As You Earn Repayment Plan
    Exclusively for Direct Loans, this plan offers borrowers of qualifying loans a flexible payment schedule based on yearly income. A financial hardship is required.
  • The Income-Contingent Repayment Plan
    The Income-Contingent Repayment Plan can be a good way to work out a manageable monthly payment if you have high debt compared with your income.
  • The Income-Sensitive Repayment Plan
    The Income-Sensitive Repayment Plan helps Federal Family Education Loan Program borrowers keep up with payments even if their income is low.
  • Grace and Deferment Period Strategies
    Federal education loans all offer a grace or deferment period – a set amount of time during which repayment is not required. How you manage loans during your grace period can make a big difference.
  • Public Service Loan Forgiveness
    If you work in certain fields or for certain employers, a portion of your Direct Student Loan debt may be eligible for forgiveness.
  • Teacher Loan Forgiveness
    The Teacher Loan Forgiveness Program offers financial incentives intended to encourage individuals to enter the teaching profession.
  • Perkins Loan Repayment and Forgiveness Options
    Perkins Loans are administered differently than other student loans and include expanded cancellation or discharge options.
  • The Role of Your Loan Servicer
    Your loan servicer is your primary point of contact when you’re repaying your federal student loans.
  • Resolving Student Loan Disputes
    Your loan servicer’s job is to offer assistance in helping you successfully repay education loans, but even experienced servicers sometimes make mistakes.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
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Financial Aid - Repayment Success

34 minutes

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Learn how to make smarter decisions when repaying your student loans.

  • Making Smart Repayment Decisions
    Flexible federal student loan repayment plans can help you avoid financial trouble and reach your financial goals.
  • How Repayment Plan Choices Affect Loan Cost
    Your repayment plan choice can greatly affect your monthly payment and the total cost of your student debt.
  • Repayment Strategies
    To repay your student loans, you need a comprehensive strategy to put your education debt in a larger financial picture that includes your income, non-education debt, and long-term goals.
  • Deferment and Forbearance Options
    Both deferment and forbearance can help you avoid financial trouble. If you think you might qualify, reach out to your loan servicer as soon as you first experience financial difficulty.
  • Loan Consolidation
    Loan consolidation can simplify the loan repayment process, but you must review the loans you plan to consolidate carefully – once consolidated, there’s no going back.
  • Avoiding Delinquency and Default
    “Delinquent” and “Default” are similar words. Both refer to late payments, but the consequences of each are very different.
  • Discharging Student Loans
    There are limited circumstances in which a borrower can be released from his or her obligation to repay student loan debt.
  • Managing Loans in Times of Financial Distress
    You can’t always prevent financial stress, but how well you manage it will make all the difference in how successful you’ll be in meeting your repayment obligation.
  • Dealing with Student Loan Default
    The consequences of defaulting on federal student loans can be severe, which is why you should take advantage of the options there are to help you avoid it. But, should you end up in default, there are steps you can take to regain lost benefits.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
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Financial Basics

60 minutes

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Covers the basics required to effectively manage money while in college. Suitable for all students.

  • Financial Basics Introduction
    A brief introduction to course goals and resources.
  • Financial Health
    The concept of financial health, including smart decision-making.
  • Introduction to Budgeting
    Why and how to budget.
  • Tracking Your Spending
    A simple way to get the most from your monthly budget.
  • Choosing a Bank or Credit Union
    Types of financial services accounts.
  • Checking and Savings Accounts
    Checking and savings accounts strategies for minimizing fees.
  • Credit vs. Debit Cards
    Credit and debit cards each have pros and cons. When should you use each?
  • Credit Reports and Scores
    Credit reports and scores determine the rates you pay when borrowing and can affect your ability to get certain jobs.
  • Managing Accounts
    Account management strategies for checking and savings.
  • Students and Credit Cards
    Special challenges for students with credit cards.
  • Building Credit
    Understanding the decisions and behaviors that can lead to improved credit scores.
  • Identity Theft
    Understanding ID theft and how to prevent it.
  • Signs of Financial Trouble
    Spotting the warning signs of excessive debt.
  • Real World Calculator
    Calculates after-college income scenarios.
  • Personalized Feedback
    Personalized feedback based on pre-course survey answers.
  • Financial Goals
    All short and long-term financial goals.
  • Post Course Survey
    Post-course survey to gather feedback on your learning experience.
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Identity Theft

16 minutes

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An overview of identity theft, including strategies for preventing it and what to do if it happens to you.

  • Identity Theft
    Understanding ID theft and how to prevent it.
  • Avoiding Identity Theft
    The three Ds of identity protection: Deter, Detect and Defend.
  • Protecting Your Digital Information
    There are many data backup solutions available designed to protect personal information that vary in their security and ease of use.
  • Dealing with Identity Theft
    Understanding the different types of identity theft and what to do in each scenario.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
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Maintaining Financial Health

34 minutes

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Stay financially fit by reducing debt, saving money, and building credit.

  • Money Saving Ideas
    Looking for ideas for ways to save money now? Almost everyone can find a way to save using at least one of these tips.
  • Reading Your Credit Report
    A detailed description of what to expect and look for when viewing a credit report.
  • Understanding Daily Simple Interest
    How lenders charge interest can have a big impact on your interest charges - and how you should manage the loan.
  • Financial Trouble
    An introduction to the steps you can take to begin dealing with financial problems.
  • Debt Reduction Plans
    Whether you do it yourself or work with a credit counselor, creating a debt reduction plan is an important first step for those with financial trouble.
  • Credit Counseling
    The role of credit counseling organizations and how a debt management plan works to restore credit over time.
  • Credit Repair Scams
    There's a big difference between a non-profit credit counseling service and a credit repair scam. Learn how to tell the difference.
  • Dealing with Identity Theft
    Understanding the different types of identity theft and what to do in each scenario.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
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Money and Divorce

9 minutes

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Learn about the financial considerations whether you are contemplating a divorce or have already started the process.

  • The Divorce Process
    Nobody gets married planning to get divorced. But sometimes, wedded bliss does not work out. Whether you’re contemplating a divorce or have already started the process, here are some financial implications to know before you make it official.
  • Getting Divorced: Untangling Joint Accounts
    Part of the divorce process is reviewing all accounts, insurance policies and the like and determine what’s yours and what’s your spouses’.
  • Financial Life After Divorce
    If you get divorced, every aspect of your life can be affected including your finances. There are a number of actions you should not overlook.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
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Paying for College

49 minutes

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The basics of financial aid, including the types of aid, applying for aid, borrower responsibilities, and repayment strategies.

  • Financial Aid Introduction
    Whether you're considering higher education for yourself or starting to plan for the education of your kids, understanding the financial aid process is the first step to meeting your education goals.
  • Types of Financial Aid
    The main types of financial aid are education loans, grants and scholarships, work-study, and service programs.
  • Creating an Aid Strategy
    Considerations when planning to pay for school, including school choice, employment options, accounting strategies, and the importance of borrowing wisely.
  • Understanding Financial Need
    Some aid is based on financial need and some is not. What exactly is "financial need?"
  • Applying for Aid
    The aid application process, including descriptions of the FAFSA and CSS Profile forms.
  • Education Loans
    A description of the main types of student loans, including government loans, consolidation loans, and private loans.
  • Borrowing Wisely
    Making smart choices about student loans, including a description of the impact of loan capitalization.
  • Choosing the Right Loan
    Questions every student should be able to answer before taking on a student loan.
  • Selecting a Private Loan Lender
    When federal loans are not enough, private lenders such as banks, credit unions, and non-profit lenders can help to fill the gap.
  • The Master Promissory Note
    An introduction to the agreement that specifies your rights and responsibilities when accepting a student loan.
  • Repaying College Debt
    A look at common repayment plans, including how different plans affect your monthly payment and overall cost.
  • Independent Student Status
    Understanding your financial aid dependency status, including a discussion of what to do if the parents of dependent students refuse to help them pay for college.
  • Dealing with Too Little Aid
    Why some students find themselves with too little aid and what can be done to make ends meet.
  • Borrowing for Graduate School
    Financial choices about graduate school can be complicated. It pays to understand your borrowing and repayment options.
  • Tax Benefits for Higher Education
    The federal government provides a number of tax deductions and credits that can help reduce your cost of attending college.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
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Saving and Investing

29 minutes

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Why and how to invest, including how to save money now.

  • Saving and Investing
    The difference between investing and saving, and how to tell what's the best option for your needs.
  • Types of Investments
    The pros and cons of stocks, bonds, and cash. The concept of asset allocation is explained.
  • Investment Accounts
    The types of accounts available to investors, including both taxable and tax advantaged accounts.
  • Saving for Retirement
    Why save for retirement and the impact of fees on investment performance.
  • Retirement Saving Strategies
    How to develop a comprehensive retirement savings strategy.
  • Retirement Savings Ideas
    A few simple things to keep in mind when starting a retirement savings plan.
  • Individual Development Accounts
    Understanding the benefits of IDAs, how to qualify, and where to find a program.
  • Money Saving Ideas
    Looking for ideas for ways to save money now? Almost everyone can find a way to save using at least one of these tips.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
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Staying Out of Financial Trouble

16 minutes

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Strategies to manage your finances when faced with debt and bankruptcy.

  • Alternative Financial Services
    Understanding why payday loans, check cashing services, and similar services may be bad deals for consumers.
  • Debt Collection
    Your rights and responsibilities when dealing with debt collectors.
  • Debt Collection and Legal Actions
    What to expect if you are sued over debt.
  • Understanding Bankruptcy
    The types of bankruptcy and why bankruptcy should be used only as a last resort.
  • Choosing a Credit Counselor
    The best way to find a good credit counselor is to know what questions to ask.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
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Understanding Insurance

24 minutes

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Understanding the common types of insurance, including auto, renters, health, plus more.

  • Insurance
    Understanding how insurance plays an important role in our financial lives.
  • Auto Insurance
    A review of the major types of auto insurance, factors influencing cost, and choosing a policy that's right for you.
  • Life Insurance
    Who needs life insurance, types of policies, and how to determine coverage.
  • Renter's Insurance
    Understanding the benefits (and potential pitfalls) of this type of inexpensive insurance.
  • Health Insurance
    The various health insurance choices.
  • Disability Insurance
    The benefits and costs of these often complex policies.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.
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Workplace Transition

41 minutes

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An introduction to key financial and workplace skills needed for a successful transition from school to work.

  • Workplace Transition Introduction
    An overview of topics covered in our Workplace Transition material.
  • Money in the Real World
    No matter what your financial outlook is after leaving school, the concept of financial health is an important step towards long-term financial success.
  • Salary Expectations Versus Reality
    Most young people tend to overestimate their starting salaries.
  • Paycheck Tax Deductions
    Making sense of the deductions taken from your paycheck. How "independent" workers have unique tax challenges.
  • Employer Benefits
    There are four main types of employee benefit programs: health insurance, retirement plans, tax-advantaged savings, and supplemental benefits such as life and vision care insurance.
  • Creating Healthy Spending Habits
    No matter how much or how little you earn, your spending habits play a major role in your financial health.
  • Managing Student Loan Debt
    Repaying student debt responsibly helps you establish good credit and helps you qualify for the best-possible interest rates on future loans.
  • The Concept of Professionalism
    Being a “professional” paves the way for both current and future success, no matter what career you choose. Professionalism requires you to draw upon a set of skills that may seem outside the specific skills required for your job.
  • Day One of a New Job
    First impressions are important. New employees should take the time to prepare for the first day to ensure that they start off on the right foot.
  • Communication Skills
    Strong communication skills are essential to success in the workplace, but mastering these skills takes time and practice.
  • Time Management
    To be successful in today’s workplace, you need to know how to manage the limited amount of time you have to accomplish all of your tasks.
  • Networking in the Workplace
    Effective networking can lead to success in your career both now and in the future.
  • Generic Post-Course Survey
    This survey collects general course satisfaction ratings and self-reported learning gains.

Financial Wellness Home

This Week

Scattered coins on part of a tax form.

Facts About Taxes

This week, you'll learn some of the basic skills you need to make tax season as pleasurable - and profitable - as possible.