Our mission is to provide exceptional debt education, to ensure financial independence, foster financial responsibility and to improve the quality of life for the betterment of society

• understand what the following letters stand for and how they protect the consumer:
•  TILA
•  FDCPA
•  FCBA
• define the following terms:
• APR
• Grace Period
• Interest Rate
• discuss some components of choosing credit including:
• Pre-approved cards
• Truth in Lending Act
• Finance charge and APR
• Length of Grace Period
• Interest Rates
• Late Fees and Over-the-Limit Fees

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