Financial Awareness and Consumer Training for Students (FACTS)
Did You Know
- 75% of students are not ready to deal with the financial challenges ahead of them?
- 62% of final year students have 4 credit cards or more?
- Many students are accumulating debt at a record pace—final year students carry an average of $4,100 in credit card debt alone?
Students need a good financial education in order to make informed personal finance decisions and use credit wisely. That's why HESC has created the Financial Awareness and Consumer Training for Students (FACTS) program, an online, instructor-led program.
FACTS will help Financial Aid Administrators and High School Counselors with their efforts to increase student awareness of the dangers of accumulating too much debt and the benefits of saving. FACTS will give students a basic understanding of finance and credit. It may even help to reduce a college's loan default rate.
The FACTS Program
FACTS is a customizable financial literacy curriculum for students. It is presented as modules, each targeted toward a different age level or concentration. The presentations are rich in content yet easy to understand. Created using straightforward language, they cover practical topics such as:
- How to Manage Credit
- The Use of Credit Cards vs. Debit Cards
- Spending Plans
- Personal Financial Management Skills
- Identity Protection
Customized To Your Students Needs
FACTS modules are downloadable at any time.
|Module Title||Target Audience|
|Module 1: Smart Start||Younger, perhaps first time college students|
|Module 2: Understanding Credit and Credit Cards||Older or graduate students|
|Module 3: Identity Protection||All students|
|Module 4: Money Wise ... Your Financial 411||High school students|
Once downloaded, the modules can be delivered at your convenience. You decide on the best venue for your students, i.e., at workshops, assemblies, orientations, entrance or exit counseling sessions, and/or as part of a residential life program. Schools can present modules using the detailed speaker notes and useful handouts, or a HESC professional can present for you.
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