Who We Are
Credit Abuse Resistance Education (CARE) is a 501(c)(3) nonprofit organization which provides no-cost financial education workshops to high schools, colleges, and youth organizations. These workshops are designed to teach students to ask tough questions about their finances and understand the decision-making process for smart credit decisions. CARE partners with professionals in various financial service industries to provide real-world context to the fundamentals of personal finance; these professionals include bankruptcy judges, attorneys, accountants and financial planners. Based in 38 states, D.C. and Puerto Rico, CARE works best as a reinforcing guest speaker program for an educator’s existing curriculum or as a standalone presentation aimed at providing an intro to personal finance or paying for college. The materials are offered at no-cost in both English and Spanish and meet the National Standards in K-12 Personal Finance Education as set out by the Jumpstart Coalition.
What We Offer
The Truth About Credit
This curriculum module teaches youth about how to use credit wisely and avoid potential pitfalls. The learning objectives include understanding the differences between credit and debit cards, the fees and costs of using credit cards, recognizing how the human brain plays tricks and influences spending, and the details of credit reports and scores. This module includes a number of extension activities that an educator can use in conjunction with the presentation: student note-taker guide, writing prompts, credit building self-assessments, and a credit product research project.
Handle with CARE: Student Loans
This curriculum module teaches strategies to afford higher education and decrease costs of that education. It also offers precautions students and their families should take when borrowing for higher education. The learning objectives include identifying ways to reduce costs, describe the differences between scholarships, grants, and loans and the differences between private and public loans. Students will also learn to develop a logical argument for using student loans and the consequences of not paying those loans back. This module includes a variety of extension activities: note-taker guide, student loan debt case studies, future goals planning, career path research.
Brush Up on Budgeting
This module teaches students to actively consider their spending and differentiate between needs and wants. It also encourages them to save money and track income and expenses through the use of a budget. Students should expect to learn how to understand and classify needs and wants, identify sources of income and expense, and develop a plan for saving and budgeting. Educators can couple a number of extension activities with this module including: a facilitated group discussion on spending and saving, worksheets and a group discussion on evaluating needs versus wants, worksheets on evaluating different budgeting methods, and a budgeting tool example sheet.
You can find all three modules here.
Voices of CARE
CARE launched the Voices of CARE podcast this summer with our founder Judge John Ninfo’s top 10 personal finance tips. You can listen and subscribe by clicking here.
Jump$tart Clearinghouse Links
- Brush Up on Budgeting
- Student Loans: Handle with Care
- The Truth About Credit
- Credit Abuse Resistance Education (CARE)
- Voices of CARE
Connect With CARE
- Subscribe to our newsletter
- Like our CARE Facebook page
- Follow @care4yourfuture for the latest tweets from CARE
@Care4yourfuture offers guest speaker workshops to provide real-world context about personal finance for young people across the country. Learn about their program at care4yourfuture.org