National Adult Literacy Database

The worksheets begin with an explanation of credit and debt, including credit history and credit reporting. One worksheet deals exclusively with newcomer loans. Other worksheets explain different kinds of borrowing, like a credit card; loan; line of credit; or payday loan.

Other topics include the cost of borrowing; managing debt; overdraft protection; instalment sales; the difference between a prepaid card and a credit card; and rent-to-own contracts.

One worksheet gives a real-life example of someone who realizes she is unable to pay her phone bill in full one month and the steps she takes to deal with the problem.