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…

This publication was developed by the Cincinnati (Ohio) Public Schools for use as a resource in adult basic education classes. It presents, in simple format, the basic legal rights of citizens of the United States and points out legal problem areas that average adults may encounter in daily life. The book is organized into nine parts containing 2…

Designed to assist professionals who are confronted with clients in need of financial guidance, this financial counseling manual is presented in seven chapters. Chapter 1 focuses on the helping relationship and discusses counselor attitudes, client characteristics, making contacts, and interviewing. Chapter 2 explains the causes of over-extension…

This booklet provides guidance for students and families who seek help in meeting college costs. It begins with guidelines for developing a funding strategy, with tips on how to calculate amount needed and planner's net worth and including sample budget forms and balance sheets. This section is followed by descriptions of the investments…

A guide to financing medical school studies is presented. Financial planning should ideally begin as soon as medical school admission becomes a possible goal. Information is provided to help estimate costs and identify sources of financial aid, including help provided by a spouse or parents, institutional assistance, private loans/scholarships,…

This training guide for financial aid staff explains the process of direct loan reconciliation and suggests appropriate cash management accounting practices. Chapter 1 explains the importance of cash management, the role of data matching, and reviews basic reconciliation concepts and terms and direct loan reporting requirements. Chapter 2 reviews…

Student loan counseling and debt management are discussed in three papers, six commentaries, and a panel discussion from a College Scholarship Service colloquium. In "Fulfilling the Institution's Responsibilities to Student Borrowers," Theodore J. Marchese discusses a shift in student financial aid marked by the ascendency of loans…

Focusing on obtaining and using consumer credit, this document is one in a series of three consumer education modules developed to educate individual adult consumers in important areas of consumer affairs. An introductory section provides an overview of the module contents, suggested approaches for using the module, and suggestions for working…

The work of the Arizona Commission for Postsecondary Education (ACPE) is guided by a 5-year strategic plan. The purpose of the plan is to provide focus for the activity of this small agency and its nine staff members in order to increase productivity and impact in the areas of its statutory authority. The mission and goals were accepted by …

Three big-city school systems nearly went bankrupt in the 1970s. New York City, including its schools, ran out of money; Cleveland closed its schools for long periods to conserve funds; and Chicago's schools ran out of credit. This paper narrates these crises, examines the responses of state governments and teacher and custodian unions, and looks…

This consumer education capsule focuses on credit financing, with emphasis on the rights and responsibilities of using credit. It is intended for use in conjunction with seventh or eighth grade mathematics textbooks when teaching computation of simple interest. Activities require from four to six hours of instructional time. Specific objectives…

The principles, practices, responsibilities, and controls in student financial aid are described in this manual. It traces the flow of funds, management activities, and legal issues as they occur in the process. The emphasis is on sound management principles of a general and permanent nature rather than on specific government requirements that may…

This unit on managing customer credit and collections in a small business, the 17th in a series of 18 modules, is on the second level of the revised PACE (Program for Acquiring Competence in Entrepreneurship) comprehensive curriculum. Geared to advanced secondary and beginning postsecondary or adult students, the modules provide an opportunity to…

A study investigated (1) college students' perception of their knowledge and actual knowledge about their student loans (when first borrowed, interest rate, repayment terms) and (2) the relationship between sociodemographic characteristics (age, sex, marital status, ethnic background, residency, academic achievement, major, employment, loan…

Extensive workshop materials are presented in this 1997 training guide for fiscal officers, business officers, bursars, loan managers, and others who have responsibility for Title IV college student financial aid programs. Workbook type material is provided for nine workshop sessions that cover the following topics: (1) Institutional…