This guide is intended to provide you with information about implementing these materials into
“lessons” for your students. The program is designed to be flexible. You may choose to use some
worksheets and not others. This guide is designed to help you select which materials “best” fit into your
Item 1: Understanding Credit
This fact sheet provides information on advantages and disadvantages of using credit. Also included is a
worksheet for students to decide whether credit is a good way to make a purchase.
Item 2: “Taking Credit Cards by the Horns” worksheet
This worksheet provides you with the opportunity to measure the students’ general knowledge of credit
card terminology. It can be used before the lesson to assess students beginning knowledge, after the
program to assess their ending knowledge level or both to measure knowledge gained. The answers are
provided in the “Teacher’s Answer Key” on page 5.
Item 3: “Credit Card Trivia” worksheet
This worksheet is designed to spark the interest of your students in a game-like setting. You may want
to have each student complete the “My Guess” column of the trivia worksheet for all 10 questions by
themselves or in groups before you present the PowerPoint presentation. Or, you may want to have each
student complete the “My Guess” column one question at a time in conjunction with the team activity
portion of the PowerPoint presentation. The answers are provided in the “Teacher’s Answer Key” on
page 5 and within the PowerPoint presentation at www.creditsmarts.montana.edu/presentations.html.
Item 4: Slide Calculator
The two sided Credit Card Smarts™ calculator will allow your students to work through all of the
examples included in the packet. The calculator can also be used by students if you want them to work
through examples you develop or real situations their friends or family may be experiencing.
* Developed by: Marsha Goetting, Extension Famil