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Your Guide to Student Loan Applications

loan worksheet for high school students

The modern-day educational system depends on student loans. Because college is expensive, it’s challenging for students to afford higher education without loans, scholarships, or a combination of the two. Read on to learn more about applying for student loans.

Understanding Student Loans

Undergraduate and graduate students have an education student loan available to them. These loans are based on financial need and are issued by the government. Under many circumstances, there are also private loans available. The amount of the student loan is dependent upon the financial situation of the student. The school makes these financial decisions. The first step in obtaining student loan plans is receiving a financial aid package. Each package consists of loans, grants, scholarships, and work-study programs offered to the student.

When to Apply

Students must apply for federal student loans by filling out their FAFSA during the designated time. Typically, students should have their FAFSA complete before the semester begins for which they need funding. It’s possible for students to apply student loan online and complete their FAFSA. Once it’s submitted, they’ll receive information about direct loans student loans, as well as any other student loan offers.

How Can You Get Student Loans?

As long as you apply for your FAFSA before the set deadline, students can apply for online school student loans anytime throughout the school year. If they have questions, it’s critical that they contact student loan department at the college they’re intending to attend or are attending. That way, they’re sure they’re going about the correct process for how to get government student loan. The phone number for student loans it typically on the contact page of the college or university’s website.

Student Loan Limits

Under some circumstances, a student loan in USA may not cover the entire amount of tuition. Under these circumstances, students must apply for additional student loans. There may be a need for a cosigner for student loan, but that is a question the student will have to inquire about during the loan process.

How Much Should Students Borrow?

When students are borrowing for their loans, it’s critical they’re not asking for too much. The main reason is that they have to pay these funds back and the interest rates are high. For example, those seeking student loans Great Lakes may wish to consider borrowing for housing, books, and tuition. Another example would be an OSLA student loan whereby a student chooses to live off-campus and decides to borrow for tuition and pay out-of-pocket for books. An international student loan USA may be able to reduce their loans by participating in a work-study program or by becoming a research assistant.


loan worksheet for high school students


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  • Financial Literacy for High School Students

Home » Financial Literacy » Resources for Teachers » Financial Literacy for High School Students

Are You Teaching Financial Literacy To High School Students?

The teaching curriculum consists of fourteen lesson plans & worksheets designed to augment a semester course in life skills and personal finance management. The Teacher’s Guide, compiled in a separate, easy-to-use notebook, includes an outline of the curriculum:

  • Lesson objectives
  • Suggested resources
  • Teaching notes
  • Chart indicating appropriate age groups for the key learnings offered in each lesson
  • Presentation slides
  • Answer keys to worksheets (when necessary)

Introductory Overview to Financial Literacy for High School Students

Lesson one: making personal finance decisions.

Each day, we are faced with many decisions. While most decisions are simple, such as “what should I wear?” or “what should I eat?,” others are more complex, such as “should I buy a new or used car?”  As decision-making skills are used and improved, a person’s quality of life is enhanced. Wiser choices result in better use of time, money, and other resources.  This introductory lesson provides students with an opportunity to learn more about decision-making. The lesson starts with an overview of the decision-making process followed by a discussion of various internal and external factors that affect decisions.

Teacher’s Guide –  Lesson One: Making Decisions

Student Guide – Lesson One: Making Decisions

Teacher’s Slide Presentation – Lesson One: Making Decisions

Teacher’s Power Point Presentation – Lesson One: Making Decisions

Lesson Two: Making Money

Building your career is one of the surest ways to increase income and make money. When planning for the future, one of the most critical financial decisions is determining your career path.  In this lesson, students will be encouraged to consider various topics related to career planning and the financial aspects of employment. This variation of the decision-making process can help a person match personal abilities and interests with appropriate employment opportunities.

Teacher’s Guide – Lesson Two: Making Money

Student Guide – Lesson Two: Making Money

Teacher’s Slide Presentation – Lesson Two: Making Money

Teacher’s Power Point Presentation – Lesson Two: Making Money

Lesson Three: The Art of Budgeting

A personal budget is a financial plan that allocates future income toward expenses, savings, and debt repayment. “Where does the money go?” is a common dilemma faced by many individuals and households when it comes to budgeting and money management.  Effective money management starts with a goal and a step-by-step plan for saving and spending. Financial goals should be realistic, be specific, have a timeframe, and imply an action to be taken. This lesson will encourage students to take the time and effort to develop their own personal financial goals and budget.

Teacher’s Guide – Lesson Three: The Art Of Budgeting

Student Guide – Lesson Three: The Art Of Budgeting

Teacher’s Slide Presentation – Lesson Three: The Art Of Budgeting

Teachers Power Point Presentation – Lesson Three: The Art Of Budgeting

Lesson Four: Living on Your Own

As young people grow up, a common goal is to live on their own. However, the challenges of independent living are often quite different from their expectations. This lesson provides a reality check for students as they investigate the costs associated with moving, obtaining furniture and appliances, and renting an apartment.

Teacher’s Guide – Lesson Four: Living On Your Own

Student Guide  – Lesson Four: Living On Your Own

Teacher’s Slide Presentation – Lesson Four: Living On Your Own

Teacher’s Power Point Presentation – Lesson Four: Living On Your Own

Lesson Five: Buying a Home

For many, buying a home is the single most important financial decision they will make in their lifetime.  However, the process of becoming a first-time homebuyer can be overwhelming, and requires a foundation for basic home-buying knowledge.  This lesson will provide students with information on buying a home and where and how to begin the process. After comparing the differences between renting and buying, students will be introduced to a five-step process for home buying. This framework provides an overview for the activities involved with selecting and purchasing a home.

Teacher’s Guide – Lesson Five: Buying A Home

Student Guide – Lesson Five: Buying A Home

Teacher’s Slide Presentation – Lesson Five: Buying A Home

Teacher’s Power Point Presentation – Lesson Five: Buying A Home

Lesson Six: Banking Services

If the fee for an ATM transaction to withdraw money is $1 and a person withdraws money twice a week, the banking fees for that person will be $104 a year. Over a five-year period, those fees invested at five percent would grow to more than $570.  Most students know that banks and other financial institutions (credit unions, savings and loan associations) offer a variety of services. However, few people know how to make wise choices when using financial services. In this lesson, students will learn about the different types of financial service products available and the features of each.

Teacher’s Guide – Lesson Six: Banking Services

Student Guide – Lesson Six: Banking Services

Teacher’s Slide Presentation – Lesson Six: Banking Services

Teacher’s Power Point Presentation – Lesson Six: Banking Services

Lesson Seven: Credit

In today’s world, credit is integrated into everyday life. From renting a car to reserving an airline ticket or hotel room, credit cards have become a necessary convenience. However, using credit wisely is critical to building a solid credit history and maintaining fiscal fitness. While most students have a general idea about the advantages and disadvantages of credit, this lesson provides an opportunity to discuss these issues in more detail.

Teachers Guide – Lesson Seven: Credit

Student Guide – Lesson Seven: Credit

Teacher’s Slide Presentation – Lesson Seven: Credit

Teacher’s Power Point Presentation – Lesson Seven: Credit

Lesson Eight: Credit Cards

What is APR? What is a grace period? What are transaction fees?  These and other questions will be answered in this lesson as students learn about credit cards, and the different types of cards available and features of each, such as bank cards, store cards, and travel and entertainment cards.

As students start to shop for their first (or next) credit card, this lesson will make them aware of various costs and features. Included in this section is a discussion of the methods for calculating finance charges.  Various federal laws protect our rights as we apply for and use credit cards, such as procedures for disputes and protection from card theft and fraud. In this lesson, students will also be given an opportunity to analyze the information contained on a credit card statement.

Teacher’s Guide – Lesson Eight: Credit Cards

Student Guide – Lesson Eight: Credit Cards

Teacher’s Slide Presentation – Lesson Eight: Credit Cards

Teacher’s Power Point Presentation – Lesson Eight: Credit Cards

Lesson Nine: Cars and Loans

“Should I buy a new car or a used car?”  “Where is the best place to finance my automobile purchase?”  “Is it better to take the rebate or the low-rate financing plan?”  These are typical questions asked by people buying vehicles. In this lesson, students are asked to identify costs associated with owning and operating a motor vehicle. Since these costs are commonly underestimated, guidelines are provided on how much to spend when buying vehicles.

Teacher’s Guide – Lesson Nine: Cars And Loans

Student Guide – Lesson Nine: Cars And Loans

Teacher’s Slide Presentation – Lesson Nine: Cars And Loans

Teacher’s Power Point Presentation – Lesson Nine: Cars And Loans

Lesson Ten: The Influence of Advertising

In today’s modern world, advertising seems to be everywhere we look; online, television, billboards, magazines, newspapers, on buses, grocery carts, even cell phones.  In addition, some forms of advertising can be subliminal, such as the strategically-placed soda can in a movie. We can’t help but be influenced and manipulated as consumers. In this lesson, students will become aware of the various techniques and appeals used to influence consumer behavior.

Teachers Guide – Lesson Ten: The Influence Of Advertising

Lesson 10: The Influence of Advertising – High School Student Guide

Teacher’s Slide Presentation – Lesson Ten: The Influence Of Advertising

Teacher’s Power Point Presentation – Lesson Ten: The Influence Of Advertising

Lesson Eleven: Consumer Awareness

Decisions, decisions. With so many choices available to us, how can we be sure we’re making the right decision?  Wise consumer buying starts with a plan. Using a systematic purchasing strategy will provide students with an ability to make more effective purchases. Comparative shopping techniques will be discussed to encourage students to carefully consider price, product attributes, warranties, and store policies. Next, this lesson covers a variety of buying methods, such as buying clubs, shopping by phone, catalogs, online, and door-to-door selling.

Teacher’s Guide – Lesson Eleven: Consumer Awareness

Student Guide – Lesson Eleven: Consumer Awareness

Teacher’s Slide Presentation – Lesson Eleven: Consumer Awareness

Teacher’s Power Point Presentation – Lesson Eleven: Consumer Awareness

Lesson Twelve: Saving and Investing

Saving just 35 cents a day will result in more than $125 in a year. Small amounts saved and invested can easily grow into larger sums. However, a person must start to save.  This lesson provides students with a basic knowledge of saving and investing. The process starts with setting financial goals. Next, a commitment to saving is discussed.

Teacher’s Guide – Lesson Twelve: Saving And Investing

Student Guide – Lesson Twelve: Saving And Investing

Teacher’s Slide Presentation – Lesson Twelve: Saving And Investing

Teacher’s Power Point Presentation – Lesson Twelve: Saving And Investing

Lesson Thirteen: In Trouble

The material in this lesson will help students become aware of the warning signs of financial difficulties. This lesson includes information on where to go for debt consolidation help and for nonprofit credit counseling .

Teacher’s Guide – Lesson Thirteen: In Trouble

Student Guide – Lesson Thirteen: In Trouble

Teacher’s Slide Presentation – Lesson Thirteen: In Trouble

Teacher’s Power Point Presentation – Lesson Thirteen: In Trouble

Lesson Fourteen: Consumer Privacy

In today’s information age, keeping your personal financial information private can be challenging. What you put on an application for a loan, your payment history, where you make purchases, and your account balances are but a few of the financial records that can be sold to third parties and other organizations.  This lesson, with attached budgeting activities, will encourage high school students to take the time and effort to develop their own personal financial goals and spending behaviors.

Teacher’s Guide – Lesson Fourteen: Consumer Privacy

Student Guide – Lesson Fourteen: Consumer Privacy

Teacher’s Slide Presentation – Lesson Fourteen: Consumer Privacy

Teacher’s Power Point Presentation – Lesson Fourteen: Consumer Privacy

Supplementary Resources

In an effort to give you the most up-to-date information for teaching and making personal financial decisions, we’ve compiled the following lists of periodicals and organizations that can enhance your use of Practical Money Skills for Life.

More Resources for Students: The Cost of College 

The cost to attend college has soared faster than almost any segment of the economy over the last 30 years. The average cost for students attending a public university is up 213% ($3,190 in 1988 to $9,970 in 2018), while private school is up 129% ($15,160 to $34,740) over the same time period.

That’s the primary reason Americans are $1.4 trillion in debt on student loans.

The good news is that are hundreds of online sites offering tips on not just what it will cost, but what you can do to pay for it. So, take a deep breath and check out these sites that should help you find a college you can afford to attend.

  • : This is a wonderful resource for everything from cost factors to how to apply to how to pay your own way.
  • : They specialize in providing historical data on college pricing, financial aid and what your degree will be worth when you graduate.
  • : This is the site for the Department of Education, which provides approximately 67% of college financial aid. You will find detailed evaluation of costs and financial aid here.
  • : This site offers answers on the cost of college, how to finance it and even how to manage money while you’re there.
  • : This is a government site that collects and analyzes date from every college and provides accurate data on average cost of attendance.
  • : Very focused on finding a college you can afford and ways to pay for it.
  • : Asks and answers questions about actual costs of college, school that fit you financially and how to evaluate offers you receive from colleges.

Other Resources for Teachers

  • Debt Relief For Teachers
  • Student Loan Forgiveness for Teachers
  • Financial Literacy for Teachers

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Financial literacy for high school students


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loan worksheet for high school students

15 Financial Literacy Activities for High School Students (PDFs)

Trying to teach teen students about money check out these free financial literacy activities for high school students (pdfs)..

Teaching teen students different parts of managing money? Awesome – let’s get you some free financial literacy activities for high schools (PDFs included).

row of high school students with girl raising hand, text overlay

You’ll find activities and PDFs below that cover a variety of money subjects:

  • Money management
  • Credit cards
  • Spending plans

Below are PDFs, games with PDFs, PowerPoint slides, and teacher guides to help you teach your students all about managing money. Also, you might want to check out these financial literacy week themes .

Financial Literacy Activities for High School Students (PDFs included)

From learning how to rent an apartment, to learning how to decide on a big purchase decision – these lessons help prepare teens for real-life scenarios they’ll face in a few short years.

Psst: are you a homeschooler? Check out these 31 free homeschool personal finance curriculum . Includes curriculum alignments, where possible.

1. The True Cost of Renting a Place

Since your students will likely rent before owning a home, it’s vital that they learn how to actually rent an apartment (and what costs are involved).

Use this lesson plan, handouts, and slides to teach your students how to rent, the total costs involved, and how to compare rental options.

2. Put it in the Bank

screenshot of Put it in the Bank curriculum with free lessons and PDFs

Dallas Fed has a great series of resources around helping students learn how to build wealth.

This particular lesson has students compare putting money under a mattress and putting money into a savings bank account. Including a whole lesson on simple vs. compound interest.

Comes with slides, teacher’s notes, and student worksheets (hint: it’s hard to figure out how to get the materials – at least it was for me! First, click on the lesson you want, then click on the red “Procedure Documents” and “Interactive Lessons” to get the materials).

Hint: As a teacher, you can order up to 50 print copies of their 40-page booklet, Building Wealth: A Beginner’s Guide to Securing Your Financial Future, for free here ! Comes in Spanish, too. Woohoo!

3. Use Credit Wisely

This set of slides, handouts, and notes takes students through how to use credit wisely.

Students will:

  • Go through borrowing scenarios with specific information from fictional characters and debate whether or not they should take a loan
  • Look at the impact of debt
  • Learn lots of important financial words having to do with credit and debt

(Hint: it’s hard to figure out how to get the materials – at least it was for me! First, click on the lesson you want, then click on the red “Procedure Documents” and “Interactive Lessons” to get the materials).

Psst: Teaching students about credit? Definitely check out these credit card games for students .

4. KWHS Comparison Shopping Big-Ticket Items

So, here’s an eye-opening experience for your students – use this video and worksheet from Wharton High School to teach them about retail marketing tactics (aka, getting teens and adults to spend more money).

5. What is it Worth Saving For?

I’ve got a whole article on cool things for teens to save up for , so I’m all about financial literacy activities helping teenagers to figure out their next savings goal.

This is a daydreaming and writing exercise where teens are taken through a series of questions to get to what they really are willing to prioritize their money to save towards.

Comes with both a PDF for students to fill out, and a teacher’s guide.

Psst: you also might be interested in how much a teen should have saved by 18 .

6. KWHS Organize Your Financial Records

I’m including this financial literacy activity here because I think it’s pretty interesting. This one has your students creating a Statement of Financial Position, meaning they’ll basically fill out their net worth to date.

Eye-opening, to say the least!

Also, a good financial habit to develop (here's why it's important to track your net worth ).

7. Checking Account Balance Activity

This is TD Bank’s free printable resource with activities to teach teens how to balance a checkbook.

Students will complete a check register, learn how to read a checking account statement, and learn how to reconcile a checking register with a checking account.

Important stuff! And just part of the banking activities for kids and teens to learn about.

Hint: this says it’s for Grades 6-8; however, it’s a wonderful opportunity for teens who have yet to learn how to bank. Here are 11 more interactive money activities where kids and teens actually dig in and help make financial decisions around their home.

8. Shark Tank Lesson Plans

screenshot of scholastic shark tank lesson plans for high school students

I’ve got a whole article filled with the best (free) worksheets, PDFs, and activities I could find having to do with the famous TV show, Shark Tank.

Students can use one of these worksheets to work through a business idea, product ideation, calculating profit, and much more.

For example, Scholastic has a great set of free Shark Tank PDFs and lesson plans to use in high school classrooms.

9. Create a Savings Comic Strip

Your students are tasked with writing a creative savings comic strip, all around different characters working through an important lesson about saving money.

Comes with a teacher’s guide, and student worksheet.

10. Compose a Rap Song or Poem about Paying for College

Students will review what various college payment choices are out there, and learn about each (such as scholarships, grants, loans, etc.).

Then, they’ll have to come up with a rap song or poem to talk about them!

The worksheet comes with a scoring rubric for the whole class to use in a competition.

11. Teach them How to Pay Bills

What is one financial scenarios for students to learn? How to pay bills. Everyone does it.

Paying bills is a critical adult money skill…yet I've seen hardly any lessons around this.

That's why I created a free PDF and activity that will help with how to teach kids how to pay bills . Try it out with a group!

Budgeting Worksheets Printables (PDFs)

This section is all about offering up awesome budgeting worksheet printables to go along with budgeting activities for high school teens.

Pssst: looking for more budgeting scenarios for high school students? Check out my 12 fun budgeting PDFs for students article, and these 4 budget projects for high school students .

1. Family Budget Game

Here’s a game created to help students understand not only budgeting, but budgeting for a family on a low income.

You can click on each of their “Family 1”, “Family 2”, etc. packages, and print out each of the materials. Create four envelopes (or “Family Packets”) for each family, and give each to a group of students.

Each packet includes:

  • Family Scenario
  • Family Budget Worksheet
  • Family Crisis 1 (possible a Family Crisis 2)
  • Family Good News
  • Family Income
  • Family Bills

The group is then in charge of filling out a budget and paying bills based on their family’s means.

This also makes for a good budget simulation for high school students, because it throws crisis situations (and good news situations) that change the dynamics of their “family’s” financial situation, meaning they have to think on their feet about how to move forward.

2. Budget Busters

I would call this activity a money-habits-awareness one.

Because what it focuses on is asking students whether or not they do certain money management habits/behaviors, and they have to forfeit a pretend dollar bill each time they answer “no”.

What are some of these behaviors and habits?

Things like:

  • I have a spending plan for my allowance and any earnings from working for others or for myself.
  • I know how much I can spend each day/week for snacks.
  • I know how much I can spend on clothing each month/year.
Psst: you might want to check out these needs vs. wants budget worksheets, activities, and games .

3. KWHS Comment Contest

Here’s an interesting financial literacy activity – have your students register (for free) to Knowledge @ Wharton High School, read articles about personal finance, and leave a thoughtful comment on something they feel strongly about.

It’s an annual competition, and can definitely get your students interested in learning more about personal finance.

4. Making a Budget

St. Louis Fed has a set of slides, teacher guide, and worksheets to teach kids things like:

  • Gross income vs. net income
  • Saving money
  • Spending money
  • Prioritizing using a budget

Financial Literacy Games for High School Students

Financial literacy games are another great activity to guide high school students self-discover vital money life skills.

You’ll definitely want to check out my articles on:

  • 19 Free Financial Literacy Games for High School Students
  • 11 Budget Games
  • 11 Best Business Simulation Games for Kids & Teens

And here’s one more for you:

1. Play a Budgeting Game with PDFs

Have your teens play this free online financial literacy game ( Misadventures in Money Management ), going through Sonya’s avatar.

Then, have them work through these worksheets to understand how to make large-purchase decisions better.

They’ll learn to:

  • Think through a large purchase decision
  • Plan a large purchase
  • How to avoid being pressured into making a large purchase

A final idea? Is to have your teens journal about money. Here are some great journal topics for high school , including the subject of money.

Any one of these financial literacy activities for high school students pdfs will teach teens a money lesson or two that will make an impact in their young adult lives. So, just choose one to start with and go from there!

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Free worksheets to teach money concepts by grade

Find free school worksheets, fun money games and financial literacy activities to teach kids about money. Check out all of our Alberta teaching resources by grade below.

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Whether you’re looking for teaching resources, homeschooling activities, or just want to keep your kids busy, Money Mentors is here to support you with the tools to teach financial literacy in elementary school, junior high, and high school.

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Alberta Financial Literacy Activities by Grade

Financial literacy resources and printable worksheets are free for teachers, parents and students to use in the classroom and at home to teach grade-appropriate money concepts. If you’re a teacher in Alberta looking for more support, book a FREE financial literacy presentation in your classroom. Explore all presentations by grade to see how Money Mentors’ free sessions can complement your teaching and help students achieve curriculum outcomes.

Kindergarten Worksheets & Games

In these learning activities for Kindergartners, kids can learn about the different Canadian coins through fun and engaging games, including a classic game of bingo and a money matching game that will also aid in improving alphabet and spelling skills.

  • Money Bingo Instructions , Bingo Cards and Master Call Sheet
  • Coin Sorting by Letter


Grade 1 Worksheets & Games

In Grade 1, students should start to become comfortable with the names and values of Canadian coins, as well as the various things you can do with money. Through these fun Grade 1 worksheets, engaging games, poems and exercises, students can learn about coins and money in an interactive way.

  • Money Go Fish Instructions and Money Go Fish Cards
  • Money Guess Game Instructions and Money Guess Game Cards
  • Getting to Know Coins – Activity Sheet
  • I’ve Got Money – Poem
  • Pickle’s Nickel – Poem & Questions
  • Value & Quantity – Activity

Grade 2 Worksheets & Games

As Grade 2 students are becoming a little more familiar with the names and values of coins and bills, these fun worksheets and interactive learning activities will help solidify their knowledge, while introducing them to the ways in which you can spend your money.

  • Money Memory Instructions and Money Memory Cards
  • Canadian Coins – Poem
  • Coin Riddles – Activity
  • Wants vs. Needs – Worksheets

Grade 3 Worksheets & Games

These Grade 3 worksheets, games and learning activities will help students learn the difference between goods and services and about where people spend their money. The activities will help students apply reasoning and simple math skills, while solidifying their knowledge on Canadian coins and bills.

  • At the Store – Worksheets for Addition & Subtraction
  • Canadian Money – Word Search
  • Difference Between Goods & Services – Worksheet
  • Where Do You Go Shopping? – Vocabulary Worksheet

Grade 4 Worksheets

In Grade 4, students have most likely become acquainted with money and are thinking more about what they can do with their money. These Grade 4 worksheets and learning activities will foster discussion to help students explore saving their money, as well as different terms we use to discuss money.

  • “Rock, Brock and the Savings Shock” – Discussion Questions
  • Understanding Slang Money Terms – Activity

Grade 5 Worksheets

In these learning activities and worksheets for Grade 5, students will have the opportunity to explore the methods through which we purchase items, including cheques, debit and credit cards. Students will also be able to learn about the advantages and disadvantages of paying using each method.

  • All About Cheques – Worksheet
  • Debit & Credit Cards – Worksheet

Grade 6 Worksheets

Students in Grade 6 may have started shopping for themselves. These Grade 6 worksheets and learning activities will explore advertisements and comparison shopping, helping students understand how to shop smart and get the most for the money they spend.

  • Ask About Ads – Activity
  • Comparison Shopping – Worksheet

Grade 7 Money Concepts

Grade 7 students may have started thinking about what they want to do when they grow up. These Grade 7 money concepts will introduce students to the basics of budgeting and to the types of expenses they can expect as they get older.

  • Fixed vs. Variable Expenses – Worksheet
  • Spending Plan Vocabulary – Worksheet

Grade 8 Money Concepts

In these Grade 8 learning activities, students will be able to explore banking vocabulary and definitions and opportunity costs through a situation-based activity and a matching game.

  • Opportunity Cost – Worksheet
  • Understanding Banking Vocabulary – Worksheet

Grade 9 Money Concepts

Grade 9 students may have had the opportunity to become more exposed to financial information through social media, their family and peers. In these Grade 9 money concepts and learning activities, students will be introduced to the basics of debt and credit.

  • Secured vs. Unsecured Debt – Worksheet
  • Understanding Credit Lingo – Activity

Grade 10 Practical Money Skills

In Grade 10, many teenagers may have started their first part-time job and begun to receive a regular paycheque. In these engaging and relevant learning activities, students will be introduced to strategies to save their money and manage debt and assets.

  • Conquer Cashalot – Educational Game
  • Debt vs. Assets – Worksheet
  • SMART Financial Goals – Activity

Grade 11 Practical Money Skills

By Grade 11, many students are starting to think about their future, are likely making a steady income from a part-time position, and are making financial decisions on a regular basis. These practical money skills will familiarize Grade 11 students with pay stubs, savings options, and loans and credit options.

  • How to Read a Pay Stub – Worksheet
  • TFSA & RRSP – Worksheet
  • Loans & Credit Options – True/False Quiz
  • Cost of Post-Secondary School – Worksheet

Grade 12 Practical Money Skills

After Grade 12, high school students will be heading into the world and will encounter new expenses and more financial decisions. As over half of young adults obtain their first credit card between ages 18-20, this series of activities explores how to choose the right credit card, and how to read and understand a credit card statement.

  • How to Choose a Credit Card – Worksheet
  • How to Read a Credit Card Statement – Worksheet

Money Management for 12-16 Year Olds

These practical financial learning activities for youth aged 12-16 focus on familiarizing teenagers with various bank transactions, banking terms, and how to read a bank statement.

  • How to Read a Bank Statement – Worksheet
  • Understanding Bank Transactions – Worksheet

Money Management for 17-25 Year Olds

For young adults aged 17-25, making independent financial decisions will become a skill in their everyday lives. In these money management and financial learning activities, youth will be introduced to the emergency fund and types of income.

  • Emergency Fund – Worksheet
  • Fixed vs. Variable Income – Worksheet

Additional Financial Resources

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loan worksheet for high school students


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loan worksheet for high school students

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loan worksheet for high school students

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loan worksheet for high school students

Student Loans and Financial Aid Unit Bundle

loan worksheet for high school students

STUDENT LOANS AND DEBT, Investing, Personal Finance, Life Skills, Careers

loan worksheet for high school students

Student Loans and Financial Aid Write the Room Scavenger Hunt

loan worksheet for high school students

Student Loan & College Admission Project

loan worksheet for high school students

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loan worksheet for high school students

Student Loans and Financial Aid Options Activity Pack

loan worksheet for high school students

College Cost Student Loan Repayment Webquest Project PDF or Digital

loan worksheet for high school students

Student Loans and Financial Aid Options PowerPoint Presentation

loan worksheet for high school students

Student Loan Debt & Paying for College | Personal Finance Class Unit

loan worksheet for high school students

Student Budgeting Bundled Project: Job, Taxes, Student Loans , Home & Insurance

loan worksheet for high school students

Student Loans - Consumer Math Unit (Notes, Practice, Activities, Test, Project)

loan worksheet for high school students

Student Loans and Debt Personal Finance Project High School Economic Webquest

loan worksheet for high school students

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loan worksheet for high school students

Money, Explained: Student Loans (Episode 3 on Netflix)

loan worksheet for high school students

Debt & Student Loans Unit: Personal Finance

loan worksheet for high school students

Financial Aid, Student Loans , & Scholarships Presentation in PowerPoint & Google

loan worksheet for high school students

Financial Aid Options and Student Loans Article Project

loan worksheet for high school students

Netflix Money Explained Episode 3: Student Loans

loan worksheet for high school students

Biden's Student Loan Forgiveness Personal Finance High School Economics Webquest

loan worksheet for high school students

The Speech Therapist Student Loan Budget Template

loan worksheet for high school students

4 College Crosswords - College & Trade Schools - Student Loans - Success!

loan worksheet for high school students

3.3 Student Loans , Consumer Credit, Financial Algebra, Subsidized, Capitalized

loan worksheet for high school students

Bankruptcy/Debt, Consumer Protection, & Student Loan Bundle

loan worksheet for high school students

'The Big Stuff' of Financial Literacy: Student Loans

loan worksheet for high school students

Netflix Money Explained Student Loans Debt Printable PDF + Self Grading Form

loan worksheet for high school students

Student Loan - Guided Web Quest

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CREDIT Credit and Credit Cards Lessons and Worksheets


Our Credit section also offers a variety of teaching resources. These resources include lesson plans, worksheets, educational videos, informational articles, and more.

Our lesson plans and worksheets are designed to help educators teach their students about credit and financial responsibility. These resources are customizable and can be used in a classroom setting or for independent study.

Our educational videos offer a dynamic way to learn about credit, featuring engaging animations and clear explanations of complex concepts. And our informational articles provide in-depth analysis and expert insights on all aspects of credit.

No matter your learning style or educational needs, the Credit section of Money Instructor has a wealth of resources to help you master the fundamentals of credit and manage your finances with confidence.

Also, see our spending money category for more consumer related material.

Understanding Credit and Credit Cards

Credit cards, like loans, allow you to build up a credit history. This may help you with credit related activity such as getting a student loan, car loans, renting an apartment, or buying a house. Credit cards are also convenient since they provide a reduced need to carry cash or checks, and provide security in case of an emergency.

However, credit cards are not for everyone, and if you have one you need to act responsibly. You need to be able to afford a credit card, and also need to try to pay off the balance each month. The over-use of credit cards has been a major reason why so many individuals have too much debt, and why bankruptcy rates are high.

Consumers are bombarded with offers from credit card companies, offering various incentives and interest rate options. For those that fall into the credit trap, being in debt seems almost forever. Meanwhile, high interest charges and late payment fees eat up most of their available money. Many credit card holders do not even know how much they are paying in interest, and what impact it has on their overall financial well-being.

Use the following lessons to help teach and learn credit card basics:

Credit Lessons and Worksheets


What is a Credit? Basics of Credit

This lesson explains what credit is and how it works, including the types of credit available and how to obtain it. It also emphasizes the importance of using credit responsibly and paying bills on time to maintain good credit standing and secure better interest rates and terms.

What is Credit Score? Beginner's Guide to Credit

This lesson explains credit scores, a number that represents your creditworthiness to lenders, in an easy to understand way. Understanding your credit score is crucial for managing your finances, whether you’re just starting to build credit or have been doing so for a while. Students will understand the importance of credit scores and learn how to manage their finances to improve their credit score, and the importance of monitoring their credit report.

Building and Maintaining Credit

This introductory lesson teaches important tips on how to build credit by using credit cards and loans responsibly, how to maintain good credit by making payments on time and keeping credit utilization low, and how to monitor credit reports to ensure accuracy.

Introduction to Credit Cards

A worksheet introducing students to credit cards, credit, and paying interest.


What is a Credit Card?

A video lesson introducing students to credit cards, how you get it, and advantages and costs.

loan worksheet for high school students

Credit Cards and How They Work

Students learn how credit cards work. Learn about the concept of credit, and how you are charged for using a credit card.  Also information on debit cards.

Cash verse Credit

An introduction to the concept of using cash verse using credit cards.  Students learn why credit cards may be good or bad, depending on how they are used.

Choosing the Right Credit Card

Students learn important criteria for choosing a credit card and the importance of using credit wisely.

Reading a Credit Card Statement

An introduction to reading a credit card statement. Learn to read and identify the important items on a monthly credit card statement.

How to Read a Credit Card Statement

Students will learn to understand their credit card statements, using a comprehensive guide that covers various aspects such as billing cycles and interest charges. They will acquire skills to manage their finances efficiently, ensuring timely payments and maintaining a favorable credit score.

Credit Card Statement - Incorrect Transactions

Advanced practice reading and correcting a monthly credit card account statement.  Students must identify and correct their monthly statement.


What is a Debit Card Lesson

A lesson on banking basics and the essentials of debit cards and how they compare to credit cards, including how they function, their benefits and drawbacks, and tips for wise usage. Students learn how to manage their debit card use responsibly. We’ll also discuss the potential drawbacks, such as vulnerability to theft and its inability to help build your credit history.


Borrowing Money: Remember the Interest

Students learn about the reasons and responsibilities of borrowing money.

Sources of Credit: It Is In Your Interest? Students learn about sources of credit and calculating interest rates.

Your Credit Score Students learn about credit scores.

Consumer Credit Legislation Students learn about consumer credit legislation.


I was playing Wordle and this happens

Video lesson starter. Here is a fun class or lesson starter for the TikTok and YouTube generation of students on the topics of money and saving and having too much debt, especially credit card debt.

Credit Cards: More Than Plastic

Students learn about credit cards.

Credit Cards: Shopping Online Students learn about online shopping with credit cards.

Beware! Consumer Fraud

Students learn about consumer fraud.

Beware! Identity Theft Students learn about identity theft.

Credit Reports – You Thought Your Report Card Was Important Students complete an activity sheet and discuss the advantages and disadvantages of using credit. Students read a scenario about a young person's use of a credit card and answer some questions regarding repayment. Students learn about credit history, credit reports and credit-reporting agencies.

Creditors’ Criteria and Borrowers’ Rights and Responsibilities Students discuss key terms related to credit and learn how creditors use capacity, character and collateral as criteria for making loans. Students learn about credit rights and responsibilities. Groups use role-play scenarios in order to identify and discuss the rights and responsibilities of using credit.

So How Much Are You Really Paying for that Loan? Students learn what a payday loan is and the high cost involved in using such a loan. Working in groups, students calculate an annual percentage rate (APR) on a short-term loan.

To Rent-to-Own or not to Rent-to-Own? Students review the elements of a contract. They discuss the characteristics of rent-to-own contracts and compare the cost of those contracts with the outright purchase of goods.

Using Credit Cards Advantages and disadvantages of using credit cards.

Using Credit Wisely Learn why we have such poor credit habits, and what we can do to use credit wisely.

Federal Protections for Credit Card Users Understand your Federal protections for consumer credit card holders.

What's your Credit Score? Understand your credit score for applying and qualifying for a mortgage loan.

More on Credit Cards, Consumer Credit, and Debt Management Informational resources on using credit cards wisely, credit repair, reducing credit card debt, basics on understanding credit reports, tips, advice, and help for managing debt, debt consolidation, student loans, understanding bankruptcy, how to consolidate credit, and more.

Back to more Earning and Spending Worksheets and Lesson Plans

More Teaching Money Lessons

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