JA Financial Literacy Course
JA Financial Literacy Course
Course contents
Unit 1: Employment, Income & Financial Decision-Making
Unit 2: Money Management & Financial Institutions
Unit 3: Credit, Debt & Consumer Protection
Unit 3:
Credit, Debt & Consumer Protection
“How can responsible credit use and consumer protection strategies support long-term financial health?”
Learners investigate how borrowing decisions, credit systems, and consumer protections shape financial risks and opportunities.
TOPIC 1: Credit & Borrowing
This topic explores how credit works and how borrowing decisions affect long-term financial health. Students examine when credit is being used, compare different credit products, analyze how interest and repayment timelines shape total cost, and evaluate borrowing options using a real-world scenario.
The Student Guide is the compiled booklet of this topic’s student activities; the Student Materials under each Five E section below are the same activities as individual PDFs.
TOPIC 2: Credit Scores & Credit Reports
This topic explores how credit reports and credit scores shape financial reputation and influence real-world opportunities. Students analyze credit information, examine how behaviors affect scores, and apply strategies to protect and strengthen their financial standing over time.
The Student Guide is the compiled booklet of this topic’s student activities; the Student Materials under each Five E section below are the same activities as individual PDFs.
TOPIC 3: Managing Debt & Financial Risk
This topic explores how borrowing decisions can affect long-term financial stability. Students analyze different types of debt, evaluate repayment risk, identify warning signs of financial distress, and apply strategies for managing debt before it becomes a crisis.
The Student Guide is the compiled booklet of this topic’s student activities; the Student Materials under each Five E section below are the same activities as individual PDFs.
TOPIC 4: Consumer Protection, Fraud & Identity Theft
This topic explores how consumers can protect themselves from fraud, scams, misleading advertising, and unfair lending practices. Students analyze marketing language, compare financial options, evaluate risk structures, learn key consumer protection laws, and apply those tools to make and defend responsible financial decisions.
The Student Guide is the compiled booklet of this topic’s student activities; the Student Materials under each Five E section below are the same activities as individual PDFs.