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Student Credit Card Education InitiativeSp

ring 2011

Join our nationwide education initiative designed to help students manage theirfinances and learn how to avoid the pitfalls of taking on too much debt.

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student credit card education initiative

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Welcomes you!

FOR STUDENTS

FOR COLLEGES AND UNIVERSITIES

The primary purpose of participating in the Student Credit Card Education Initiative is to improve your personalfinance management skills. You will attend online classes and take a final exam to test your knowledge. The SCCEI will also provide you with access to educational articlesand interactive materials written by industry experts and students across the U.S., sharing their experiences.students across the U.S., sharing their experiences.All services are provided free of charge to all students and participating institutions.

Education pertaining to credit cards is very important, especially for college students. It is our moral responsibility to try to educate college students about the

pros and cons of credit cards, credit card debt and how to manage their finances. By participating in the Student Credit Card Education Initiative, you will receive interactive educational

material in the form of a custom webpage to be hosted on your website. This webpage will be customized with your school’s logo, interactive lessons and a final exam. Also included will be educational articles written by credit card experts and by students sharing their personal experiences.by credit card experts and by students sharing their personal experiences. The Student Credit Card Education

Initiative also offers the option of awarding certificate of achievement to students that pass final exam. The initiative is a sponsored action to promote better credit education and does not cost anything to participate.

Join the Initiative today754-242-90-42

HOW CREDIT CARDS CAN IMPROVE YOUR LIFE You’ve probably come across at least a few people who have racked up substantial debt through credit card useuse. And high amounts of debt looming over the futureone’s head is never a good thing. But credit cards don’t have to complicate your life; in fact, they can make it easier if you know how to manage them. Here are a few ways in which credit cards can actually improve your life.

First, if you enroll in a rewards program or opt for a rewards credit card, you can earn various bonuses from cash back to gift cards at participating stores or restaurants, and even airline tickets. Credit card reward programs generally match the money spent each month to work by each purchase equaling at the number of reward points. For instance, for every $ spent, you would might receive 1 point. every $ spent, you would might receive 1 point. Then Oonce you accumulate a certain number of points, you can redeem them for a vast variety of products and services. The trick is not just be careful not to spend more money than you otherwise would due to the prospect of bonuses and cash back.

Reward cards are most be can be beneficial when you pay your balance off each month and let the reward points build up do a really nice bonus over time - even that much- needed vacation! Because it’s more money in your pocket, so long as you continue with your normal spending habits.

Picture this. You went to go out to dinner with a few friends, but you don’t have enough cash on you or money in your checking account to cover it. Or you want to treat yourself to new shoes or a modest addition to your wardrobe for an important business meeting or social event.. You’ll have more than enough to cover these purchases and other bills when you receive your next paycheck. other bills when you receive your next paycheck. But you want or need to make these purchases now. This is where a credit card comes inn!

Having a credit card offers convenience when it comes to spending. You don’t have to base every purchase or expense around when you’ll have cash. Just be careful not to get ahead of yourself. Pay your credit card bill on time each month and aim to pay it in full. It’s can be easy to rack up debt fast, especially with interest charges rates and fees applied which are charged to your and fees applied which are charged to your account each month that you have an outstanding balance or do not pay your bill in full. By all means enjoy the convenience of having a credit card, but make sure not to spend more money than you have (or will have in the near future).

Obviously, if you were to lose your credit card, you won’t be liable if someone uses your card. You simply call up your credit card issuer, and they’ll take care of it. But once you lose or misplace cash, it’s gone. But credit card issuers simply issue you another card if you notify them of a lost or stolen card.

Another obvious way that way a credit card can make life easier is it eliminates the need to be beneficial is that you won't have to carry carry cash around with you everywhere you go. You can might save time on trips to yourself a trip to tie ATM each week, and you won't have to worry about the possibility of carrying cash being lost or stolen on you or losing it. you or losing it.

RAKE IN THE REWARDS THE CONVENIENCE OF PLASTIC

LEAVE YOUR CASH IN THE BANK

"The aim of education is the knowledge, not of facts, but of values."

William S. Boroughs

Staying Well.

Being Safe.

The average student graduating from college not only walking away with a degree, but with $24000 in debt. According to the New York Times, college students on average are facing this type of debt load while graduates of the most expensive colleges in the country are facing even more. UnfortunatelUnfortunately, student debt is usually just the beginning. As “real life” starts, so does the probability of accumulating even more debt if you have to pay for an apartment, furniture, a work ward robe or possibly a car to get to work. If you’re not careful, before you know it, debt will be controlling your life. In order to avoid that happening, it’s important to manage your debt. Here are a few basic steps to help you manage debt after graduation.

The most important advice is to make a budget. Make a list of everything you spend money on each month, and don’t leave anything out. Include fixed utility bills, groceries, credit card payments, student loans, household necessities, transportation, and even supplies for your dog or cat. Then pay close attention to what you spend each month in those categories. Write it all down, so you can track any expenses you might have forgotten. You will then know what your total financial requirements are each month. If your income is less than your expenses, you can start to prioritize and pinpoint places where you could realistically spend less. While it might be tempting to go shopping or out for a fun evening with friends and pay with your credit card, While it might be tempting to go shopping or out for a fun evening with friends and pay with your credit card, avoid unnecessary spending until you can pay down some of your debt.

Once you have a realistic budget in place and you’ve slashed unnecessary areas of spending, figure out how much you can afford to pay towards your credit cards or other debt each month. Calculate the most you can afford to pay and stick to it. Try to pay more than the minimum required so you can pay your debt down faster. It’s better for your credit rating and for your financial sanity to steadily pay it off.

Budding savings is on the absolute opposite end of the spectrum of debt—and boy, does it feel good! Savings can make you feel more secure about the present and the future. You’ll always have the security of an emergency fund for unexpected expenses and you can wake up one day with enough for a down payment on a condo, house, or new car. When should you begin a savings plan? It is never too early and never too late. Maybe you’ve been steadily When should you begin a savings plan? It is never too early and never too late. Maybe you’ve been steadily paying off your debt and watching your spending. This might leave you a few dollars extra each month. Instead of going out and spending it, put it in your savings account. It will feel great and give you even more motivation to pay off your debt as quickly as possible.

MANAGING DEBT AFTER COLLEGE GRADUATION

MAKE A BUDGET

SET FINANCIAL GOALS

BEGIN A SAVINGS PLAN

Why do we need an initiative?

As approximately 17 million teenagers leave home in the fall to experience independence in college, many are given their first credit/debit cards to exercise some level of financial freedom. Here is some interesting statistics from Fed Reserve and Census: - 43% of students own credit cards and 74 % own a credit card in their 4th or 5th year.- 41% of students carry debt balances from month to month. - 25% use their card to pay for their tuition. - 25% use their card to pay for their tuition. SIFE Student Credit Card Education Initiative educates students on froogality in managing personal finances.

Online interactive center on

Credit Card Education

Student Credit Card Education Initiative provides colleges and universities with an interactive webpages that features educational articles, online lessons, and expert advice on and expert advice on credit cards for students.It is also a place where students can share their experiences. Another feature of this page is providing an examination of student’s skills and knowledge in personal.

EDUCATIONAL COURSEWORK

Participating in a SCCEI course study, student will learn basics of personal finance management, history of Credit Card Industry and current laws that protect consumers. Further focus will be dedicated to planning and budgeting your credit card monthly payments, how to choose the best credit card that fits your profile, and how to establish a credit history and how to maintain it.Lesson 1: Introduction to Credit CardsLesson 2: Planning and Budgeting your ExpensesLesson 2: Planning and Budgeting your ExpensesLesson 3: Understanding costs and froogal selection of a Credit Card-QuizLesson 4: Responsibilities & Credit Card holderLesson 5: How to use and manage Credit Card Wisely-QuizLesson 6: Do’s and Don’t’s in handling a Credit Card debt-Quiz-QuizLesson 7: Understanding Credit Repots-QuizLesson B: Credit Score and its consequences-QuizLesson 9: Balance Transfer and Debt Managment-QuizLesson 10: Prevention Strategies against IdentityLesson 10: Prevention Strategies against Identity Theft-QuizFinal Exam

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How to manage debt

The average student graduating from college is not only walking away with a degree, but with $24,000 in debt.

According to New York Times.

MANAGING DEBT AFTER COLLEGE GRADUATION

SET FINANCIAL GOALS

BEGIN A SAVINGS PLAN

MAKE A BUDGET

The average student graduating from college not only walking away with a degree, but with $24000 in debt. According to the New York Times, college students on average are facing this type of debt load while graduates of the most expensive colleges in the country are facing even more.

UnfortunatelUnfortunately, student debt is usually just the beginning. As “real life” starts, so does the probability of accumulating even more debt if you have to pay for an apartment, furniture, a work ward robe or possibly a car to get to work. If you’re not careful, before you know it, debt will be controlling your life. In order to avoid that happening, ithappening, it’s important to manage your debt. Here are a few basic steps to help you manage debt after graduation.

Once you have a realistic budget in place and you’ve slashed unnecessary areas of spending, figure out how much you can afford to pay towards your credit cards or other debt each month. Calculate the most you can afford to pay and stick to it. Try to pay more than the minimum required so you can pay your debt down faster. It’s better for your credit rating and for your financial sanity to steadily pay it oyour financial sanity to steadily pay it off.

Budding savings is on the absolute opposite end of the spectrum of debt—and boy, does it feel good! Savings can make you feel more secure about the present and the future. You’ll always have the security of an emergency fund for unexpected expenses and you can wake up one day with enough for a down payment on a condo, house, or new car.

When should you begin a savings plan? It is never When should you begin a savings plan? It is never too early and never too late. Maybe you’ve been steadily paying off your debt and watching your spending. This might leave you a few dollars extra each month. Instead of going out and spending it, put it in your savings account. It will feel great and give you even more motivation to pay off your debt as quickly as possible. quickly as possible.

The most important advice is to make a budget. Make a list of everything you spend money on each month, and don’t leave anything out. Include fixed utility bills, groceries, credit card payments, student loans, household necessities, transportation, and even supplies for your dog or cat. Then pay close attention to what you spend each month in those categories. each month in those categories. Write it all down, so you can track any expenses you might have forgotten. You will then know what your total financial requirements are each month. If your income is less than your expenses, you can start to prioritize and pinpoint places where you could realistically spend less.

While it might be tempting to go shopping or out for a fun evening with friends and pay with your credit card, avoid unnecessary spending until you can pay down some of your debt.

`̀Every parent's deepest wish is that their children are self sufficient, happy, and able to live a full life.̀̀

Peter BlockJoin the initiative

STUDENT CREDIT CARD EDUCATION INITIATIVECREDIT LAND CONSUMER EDUCATION

WWW.CREDITLAND.COM/EDUCATION 382 NE 191st St #27330 Miami, FL 33179-3899 754-242-9042PLEASE FAX COMPLETED FORM TO (718) 646-7773

HOW IT WORKS:Participants contribute to educating students on personal finance by integrating an educational page within participant’s existing website. The initiative is free to join and all educational materials are also free.

WHAT’S INCLUDED:Complete educational webpage to integrate with your current website.Interactive Coursework – web-based, in-depth lessons on credit cards and personal finance for students.Coursework Exam – a final exam with post certification of achievement issued by a panel of industry experts.Educational News Articles – news articles informing on new developments in personal finance by experts.Interactive Form for students to share their experiences with personal finance.

PARTICIPANT APPLICATION – THIS IS NOT A CONTRACTThe organization designated below wishes to join Student Credit Card Education Initiative

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COMMENTS: Please provide any special requests for any additional educational content on credit cards and personal finance for your students.

Full street address only – No P.O. box, please

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