68 customizable lessons, aligned with National Standards, exams and more.
Read NGPF's school-by-school analysis of financial education in America today
Activities
Advocacy
Behavioral Economics
Best Of
Budgeting
Buying a Car
Career
Checking
Consumer Skills
Credit
Cryptocurrencies
Current Events
Curriculum Announcements
Economics
Entrepreneurship
Edpuzzle
ELL Resources
FinCap Friday
Gambling and Sports Betting
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Interactive
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Professional Development
Question of the Day
Savings
So Expensive Series
Taxes
Teacher Talk
It's why managing your credit score is so important and the lesson on credit scores could be worth six figures in savings.
Answer: $321 per month or $115,292 over a 30 year period which is the difference between the highest credit score (760-850) and the lowest (620-639).
Data as of 7/29/24:
Note: Assumes a thirty year fixed rate mortgage for $300,000 over 30 years
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Questions:
Here are the ready-to-go slides for this Question of the Day that you can use in your classroom.
Behind the numbers (Bankrate):
Although it’s up to specific lenders to determine what score borrowers need to receive the lowest mortgage interest rates, a difference of just a few points on your credit score can sometimes affect your monthly payments substantially. For example, on a $300,000 mortgage, the difference in principal and interest payments between a 7 percent interest rate and a 6.5 percent rate is $99 per month. That comes out to more than $35,000 over the course of a 30-year mortgage term.
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NGPF's Arcade Game, Shady Sam, helps students understand credit from a lender's perspective.
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Dave joins NGPF with 15 years of teaching experience in math and computer science. After joining the New York City Teaching Fellows program and earning a Master's degree in Education from Pace University, his teaching career has taken him to New York, New Jersey and a summer in the north of Ghana. Dave firmly believes that financial literacy is vital to creating well-rounded students that are prepared for a complex and highly competitive world. During what free time two young daughters will allow, Dave enjoys video games, Dungeons & Dragons, cooking, gardening, and taking naps.
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