Free interactive course · No login
Master credit
before you swipe.
Six bite-sized lessons and three live simulators that explain how credit really works — written so a 9th grader can follow along, but useful even if you're 35.
Lessons
6
Simulators
3
Read time
~40 min
Intro
The Course
Work through them in order — each one builds on the last.
LESSON 01
What Is Credit?
Borrowed money, trust, and why it matters before age 18.
5 min ·
LESSON 02
Good Credit vs Bad Credit
Real examples a 9th grader can recognize in their own life.
6 min ·
LESSON 03
How Credit Cards Actually Work
Swipe → statement → due date. Decoded step by step.
7 min ·
LESSON 04
The Payment Game (Pay In Full)
Why paying the full balance every month is the cheat code.
6 min ·
LESSON 05
Picking Your First Card
APR, fees, rewards — what actually matters at age 18.
6 min ·
LESSON 06
Credit Scores Explained
The 5 ingredients of your FICO score, ranked.
7 min ·
Interactive
Try It Yourself
Move sliders, see real numbers. This is where it clicks.