The insurance premium rates that guaranty agencies charge student borrowers under the Guaranteed Student Loan program were analyzed by the U.S. General Accounting Office. The Higher Education Amendments of 1986 established a maximum rate (3% of the principal loan amount) that all agencies could charge student borrowers. Comparisons were made of…

This booklet is designed to help consumers understand and manage credit. It is suitable for personal use by adults or for classroom use in junior high through adult consumer education classes. The booklet is organized in two parts. The first part explains consumer credit: what it is, pros and cons, cost of credit, establishing credit, types of…

This resource guide for teachers offers material for teaching money management in classes ranging from elementary through adult level. The guide covers seven key concepts in separate units: values and goals, income and employment, money management, financial products and services, credit, insurance, and savings and investments. Each unit includes…

The California Guaranteed Student Loan Program is described, and information is provided on the characteristics of student borrowers. Attention is also directed to: the effect of students' total accumulated indebtedness on their education and careers; California's default rates compared with those of other states; differences among institutions in…

This booklet is designed to help individuals make housing decisions in an informed, rational manner. It is suitable for personal use by adults or for classroom use in junior high through adult home economics or consumer education classes. After helping the reader determine needs and wants and how much money is available for housing, the booklet…