The Mechanics of Borrowing: Principal, Term, and APR Interplay

Credit Cards: Statement Balances, Grace Periods, and the Minimum Payment Trap

Revolving vs. Installment Credit: Mathematical Comparisons

Buy Now, Pay Later (BNPL) & Psychological Triggers

The Credit Bureau Matrix & The FCRA

FICO Formulation & Utilization Ratios

Mid-Unit Assessment: Credit Mechanics Checkpoint

Auto Loans: Depreciation Curves and Dealership Financing Traps

Predatory Lending: Title Loans, Rent-to-Own, and Triple-Digit APRs

Debt Repayment Strategies: Snowball vs. Avalanche Methods

Insolvency Mechanics: Chapter 7, Chapter 13, and Corporate Bankruptcy

Project Day: Rebuilding a Sub-500 Credit Score Simulation

Unit 4 Final Assessment: Debt Elimination & Credit Optimization