One of a series of units on business issues designed for secondary school students, this packet examines the responsibilities of the lender and consumer in the credit business. Teacher and student materials are provided in separate sections. The teacher's guide presents five detailed lesson plans, each focusing on a credit case study; discussion guides; recommended follow-up activities; answer keys; and suggestions for using a business person as a classroom resource. The student materials contain student reading handouts for the following case studies: first auto loan, a student credit card application, an inaccurate credit file, an investigative report, repossession, and a consumer credit counselor's help in getting a family out of debt. Also included are a reading which presents three important laws that effect credit practices and a vocabulary worksheet to help students review new terms used in the unit. (LP)