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					Lesson Title – Credit         Course – Personal Finance                                         Grade Level –9-12
Author – Kevin VanWormer School – Smoky Hill High School                                     Length of Lesson -7 Blocks
CTE Academic Integration Lesson Planner
                                   What do I want students to learn?
Standards and Benchmarks                                          Standards and Benchmarks
     NBEA Standards…or MarkEd Standards…                              ACT College Readiness Standards
     or … ITEA Standards
    Demonstrate a basic knowledge of credit and its uses         Reading
    Analyze factors that affect the choice of credit, the cost      Infer the main idea or purpose of straightforward
     of credit, and the legal aspects of using credit                 paragraphs in uncomplicated literary narratives
    Distinguish between the different options provided by           Understand the overall approach taken by the author or
     institutions that offer credit                                   narrator (e.g. point of view, kinds of evidence used) in
                                                                      uncomplicated passages.
                                                                   Express judgments by taking a position on the issue in
                                                                      the writing prompt
                                                                     Develop a position by using logical reasoning and
                                                                      supporting your ideas
                                                                     Organize ideas in a logical way
Students will:                                                    Students will:
•Know: (Content and Vocabulary)                                   •Do: (Skills, Strategies, Processes and Literacy)
   Compare the advantages and disadvantages of different            Discuss, analyze, cite, and explain credit and debt
    payment methods                                                  Read related articles and determine key ideas and
 Analyze the benefits and cost of consumer credit.                   concepts
 Compare sources of consumer credit (e.g., credit cards,            Guided practice
    consumer loans, auto loans, student loans).                      Discuss and analyze real-life examples
 Evaluate the terms and conditions of credit cards and
    consumer loans.
 Evaluate factors that affect creditworthiness.
 Explain the purpose and components of credit records.
 Propose ways to avoid or correct credit problems
 Describe the rights and responsibilities of buyers and
    sellers under consumer protection laws.
Vocab: FICO, Interest (APR), Fair Credit Billing Act

Enduring Understandings (Big Ideas)
For example… principles, themes, generalizations or macro-concepts
If we are trying to develop financial security for when we retire, what affect does credit and debt have in influencing our
success or failure.
Essential Questions
Guiding, driving questions which lead to enduring understandings
How do we provide ourselves with financial security when we choose to retire?

How am I going to assess student learning?
Assessments: Formative assessments and/or Summative assessments
Formative Assessment
        Guided note taking activities
        Class discussions (Question and answer)
        Socratic Seminar
        Article readings/Activity worksheet
Summative Assessment
Unit test: Multiple choice, short answer essay questions, problems
Instructional Plan
Prerequisite Skills: Preparation
What prior knowledge, skills and understanding do the students need? How will you assess their background
knowledge and readiness?
Students will have a variety of background knowledge based on family history with credit and debt. I will evaluate this
background knowledge through observation of the presentation from Junior Achievement on this topic during day 1. Student
responses to the topic of credit and debt will help me determine individual readiness.
Instruction and Activities:
What procedure (sequence), teaching strategies, and student activities are used in this lesson? State the student
roles, teacher roles, and grouping for this lesson.
         Teacher directed exploratory discussion (Write-Around)
         Student focused reading and comprehension activity (Basics of Debt)
         Individual Research/ Activity worksheet on Basics of Debt (Money 101)
         Teacher directed exploratory discussion (Powerpoint: Cost of Credit)
         Student Group Activity: Cost of Credit Simulation
         Student focused reading and comprehension activity (Avoid the Debt Trap)
         Teacher directed exploratory discussion (Powerpoint: Credit Scores)
         Student focused reading and comprehension activity (Improved Credit Scores could save Billions)
         Socratic Seminar- Credit cards: Good or Bad
         Video: Oprah Winfrey “Debt Diet”
         Individual Research/ Written Assessment (Thinking Maps)
Academic Integration
What core academic topics are integrated? What terminology is common? What terminology is different?
Include specific examples to be used to introduce, teach, or review the topics.
Main Ideas and Supporting Details
         Understand main ideas, topic sentences, and the relationships among sentences in a paragraph
         Select important details to clarify meaning
         Identify the appropriate definition of words with multiple meanings based on context
         Take a position of the issue of the writing prompt
     Develop a position by using logical reasoning and by supporting your ideas
Specific ACT Readiness Examples:
Example Prompt for Written Assessment:

What materials and resources are needed for this lesson? Describe the learning environment where this lesson
will take place.
         Junior Achievement guest speaker
         Wall Street Journal Classroom Edition
              o The Lowdown on Loans
              o Basics of Debt
              o Credit Scores could save Billions
              o Avoid the Debt Trap
         Oprah Winfrey, “The Debt Diet”, video series

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