Students learn how to create a realistic spending plan, manage competing financial priorities, distinguish between needs and wants, and build habits that support long-term financial stability.

Topics may include:

• Creating a personal budget

• Understanding cash flow

• Managing irregular income

• Tracking expenses

• Avoiding overspending

• Building an emergency fund

• Setting financial goals

For many students, high school or college is the first time they begin independently managing bank accounts and financial transactions.

This program helps students understand:

• Checking and savings accounts

• Debit cards

• Overdrafts and bank fees

• Online and mobile banking

• Direct deposit

• Choosing a financial institution

• Protecting banking information

• Building healthy banking habits

Credit decisions made during the high school and college years can affect students for years to come.

Students learn how credit works and how to use it responsibly, including:

• Credit scores

• Credit reports

• Credit cards

• Interest rates

• Minimum payments

• Credit utilization

• Building credit

• Protecting credit

• Avoiding common credit mistakes

Student borrowing can be difficult to understand, particularly for students and families navigating financial aid for the first time.

This program helps students better understand:

• Federal versus private student loans

• Interest and capitalization

• Loan balances

• Repayment expectations

• Grace periods

• Repayment options

• Borrowing decisions

• The long-term impact of student debt

The emphasis is on helping students better understand the financial commitments associated with borrowing before and after graduation.

Students often believe saving has to begin with a large amount of money. We help them understand that financial security is built gradually through consistent habits.

Topics may include:

• Starting small

• Emergency savings

• Short- and long-term savings goals

• Automating savings

• Saving while in school

• Preparing for major expenses

• Building financial resilience

An introduction to investing designed specifically for students and new investors.

Topics may include:

• Why people invest

• Risk and return

• Stocks

• Bonds

• Mutual funds

• Exchange-traded funds

• Diversification

• Compound growth

• Retirement accounts

• The importance of starting early

Programs focus on financial education rather than individual investment recommendations.

A first professional paycheck introduces an entirely new set of financial decisions.

This workshop helps students understand topics such as:

• Reading a paycheck

• Gross versus net income

• Taxes and withholding

• Employer retirement plans

• Health insurance

• Flexible spending and health savings accounts

• Employee benefits

• Retirement contributions

• Creating a financial plan after graduation

Designed especially for juniors, seniors, graduate students, and recent graduates, this program focuses on the transition from student life into the workforce.

Topics can include:

• Creating a post-graduation budget

• Managing student loan payments

• Renting an apartment

• Buying a vehicle

• Building credit

• Starting retirement savings

• Establishing an emergency fund

• Understanding workplace benefits

• Setting financial priorities during the first years of a career

Young adults are increasingly targeted by financial scams, identity theft, online fraud, and social-media-based financial schemes.

Students learn how to recognize common warning signs and better protect their financial information.

Topics may include:

• Identity theft

• Phishing scams

• Payment-app scams

• Employment scams

• Investment scams

• Online marketplace fraud

• Protecting passwords and financial information

• Steps to take when fraud is suspected