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
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
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.
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
Guided note taking activities
Class discussions (Question and answer)
Article readings/Activity worksheet
Unit test: Multiple choice, short answer essay questions, problems
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)
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