1. Credit Card: Just Another Way of Saying Loan When the time comes for you to consider getting a credit card, it’s important to realize that with high interest rates and extra fees, it’s easy for credit card debt to quickly grow out of control. Unless you’re able to pay off the balance, in full, every month, a credit card may not be the right choice for you. Credit cards are simply another type of loan from a bank of lender. Once you have a credit card, think about it this way: Would you take out a loan to buy a pair of jeans or the newest video game? If you buy those items on a credit card and then make small monthly payments, paying off your balance slowly, that’s exactly what you’re doing! What are some items people use a credit card for? Is this a good use of a credit card or not? 1.  Good  Bad 2.  Good  Bad 3.  Good  Bad 4.  Good  Bad 5.  Good  Bad 6.  Good  Bad 7.  Good  Bad 8.  Good  Bad 9.  Good  Bad 10.  Good  Bad

2. Find College Costs Pick an Iowa college and find out how much it would cost to go there for one year. College Name: _______________________________________________________________________________ Location: ____________________________________________________________________________________ Costs Tuition and Fees$ Room and Board$ Books$ Transportation$ Personal Expenses$ TOTAL$ Helpful Tips Visit www.ICANsucceed.org/colleges for a list of Iowa colleges. Search online for: Iowa Colleges Cost of Attendance Tuition Prices College Cost Bring information about how much it costs to go to college to the next class.

3. Discover Iowa Colleges There are many different types of colleges and universities, and part of finding the right fit for you is exploring different campuses and learning what different schools have to offer. Homework: Before the last class session, visit a local college’s or university’s admission office. Bring back a brochure about the college and a business card from an admissions representative. If you cannot physically visit a college, visit three college websites and request information using the admissions pages. Local Colleges AIB College of Business Des Moines Area Community College Drake University Grand View University Or visit www.ICANsucceed.org/colleges for a list of Iowa colleges to choose from. Visit an admissions office and bring back a brochure to the last class session.