Debt & Credit

Bad credit and high-interest debt are the #1 roadblocks to building wealth. This module teaches you how to understand, manage, and eliminate both.

3 Lessons

~15 min total

Why This Module Matters

Your credit score affects your mortgage rate, car loan, apartment approval, and even some job offers.

The average American carries $6,000+ in credit card debt at 20%+ APR — a wealth-destroying trap.

Student loan debt tops $1.7 trillion in the U.S. Knowing your options can save you tens of thousands.

Lesson 1 · 5 min read

Break down the 5 factors behind your FICO score and learn exactly what moves the needle — and what doesn't.

5 FICO factorsHard vs soft inquiriesHow to raise your score fast

Lesson 2 · 5 min read

Two proven frameworks to eliminate debt. One saves more money. The other keeps you motivated. Which is right for you?

Debt Snowball explainedDebt Avalanche explainedWhich method wins

Lesson 3 · 5 min read

Federal vs private loans, income-driven repayment, refinancing, and the fastest path to being debt-free.

Federal vs private loansIDR plans & PSLFRefinancing pros & cons

Read and understand your credit report

Know exactly what moves your FICO score

Choose the right debt payoff strategy for your situation

Evaluate whether to refinance student loans

Avoid the credit mistakes that silently cost thousands

Set a clear, realistic debt payoff timeline