Managing Credit and Debt

Tawni Hunt Ferrarini (), M. Scott Niederjohn, Mark C. Schug and William Wood
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Tawni Hunt Ferrarini: Lindenwood University
M. Scott Niederjohn: Lakeland University
Mark C. Schug: University of Wisconsin–Milwaukee

Chapter 6 in Teachers Can Be Financially Fit, 2021, pp 61-70 from Springer

Abstract: Abstract Through his job in the school district office human resources department, Jose has encountered a disturbing number of teachers in his district with substantial credit issues or even judgements applied to their paychecks. This chapter introduces the basic concepts around credit asking the provocative question, “Is credit from heaven or hell?” The common forms of credit are reviewed, the process for applying for credit is explained and credit scores and reports are also demystified. Jose believes that if every teacher in his district had access to this important information early in their teaching careers many would be more successful financially.

Keywords: Personal finance; Personal financial literacy; Credit; Obtaining credit; Loans; Forms of credit; Mortgages; Credit cards; Establishing credit; Three Cs of credit; Credit reports; Credit scores; FICO score (search for similar items in EconPapers)
Date: 2021
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-3-030-49356-1_6

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DOI: 10.1007/978-3-030-49356-1_6

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