Credit Education 101
and links on this page are presented to provide high school and college students
the basics about creating credit histories and keeping credit scores high.
The OCCC’s Education Mission
Today's consumers face an astonishing
array of credit products; a basic education in credit products and principles
prepares consumers to better understand their choices and obligations. The
OCCC understands the imperative need to educate young people about those choices
and obligations. The agency plans to develop a comprehensive curriculum guide
for use in middle schools and high schools; read about that plan on the agency's
As part of the
agency's education initiative, we present informational seminars throughout
the state. If you need a speaker on credit education for your school or organization,
please see the Speakers and Presentations section
of our Web site.
For more information
about the OCCC's credit education program, please contact Consumer Education by
phone at 512.936.7624 or via e-mail.
Credit Education Materials
Credit Education Sites
provide materials for personal finance education programs.
Coalition: The Jump$tart Coalition for Personal Financial Literacy seeks
to improve the personal financial literacy of young adults. Jump$tart's
purpose is to evaluate the financial literacy of young adults; develop,
disseminate, and encourage the use of standards for grades K-12; and promote
the teaching of personal finance.
Endowment for Financial Education: The National Endowment for Financial
Education (NEFE) is a nonprofit foundation dedicated to helping all Americans
acquire the information and gain the skills necessary to take control of
their personal finances.
Trade Commission (FTC): The FTC's Consumer Protection page provides
a wealth of information about a wide variety of credit products and concepts.
curriculum: CCCS of Greater Dallas has produced a nine-module interactive
education tool for high schools.
Achievement programs: The Junior Achievement organization's Personal
Finance® program helps students make informed decisions about
the effective use of income to reach personal financial goals.
ABCs of Credit Reports and Scores: The FDIC created this brief but comprehensive
guide to explain what's in a credit report, how it gets there, and how scores