Student Lending Analytics Blog

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I thought you would be interested in some of the recent activity at Next Gen Personal Finance. We are developing engaging, real-world personal finance curricula for high school and college students that work great in a classroom setting as well as for independent study. Teachers have found our resources to be a great supplement to their existing curriculum. I wanted to give you access to our FREE content that you might find useful as you look for ideas that you can quickly implement to supplement your existing personal finance curriculum: This NGPF blog post was featured in NY Times article. Good list to share with students as freshman (or hopefully even sooner) so they understand the downsides of overborrowing. Scared Straight Approach to Student Debt: A Documentary PlaylistThis recent article about a community college in Florida caught my attention:To get a student loan at Broward College, one of Florida’s largest community colleges, you first have to sit through a two-hour financial lesson with Kent Dunston. It’s a little likeScared Straight, the 1978 documentary designed to keep kids from ending up in prison. Dunston’s lesson, though, is about scaring students into making good financial choices. Nationwide, student loans total more than $1.2 trillion. And schools now face punishment — even closure — by the federal government if the rate is too high.The article goes on to describe the experiment at Broward which included limiting student access to subsidized federal loans, thereby eliminating unsubsidized federal loans and private loans as options. The school has not seen an impact on student enrollment and they HAVE seen declines in student defaults in the six years, since they implemented these programs. After the call that I had a few weeks back with a student on the road to a $100K+ student loan balance, I started thinking we need to expose students to the downsides of student debt BEFORE they choose a college.So, what would a video playlist look like to show students the downsides of student debt:Voices of Debt: Don’t Major in Debt (11 minute video, documentary, January 2013) Continue reading "Scared Straight Approach to Student Loans: A Documentary Playlist" Welcome to Next Gen Personal Finance s May 2015 Newsletter: Honoring Teachers and Ideas for the Home Stretch!We crammed this newsletter with engaging ideas, activities and videos that we thought you and your students would enjoy as the school year draws to a close. April was an exciting month at NGPF:We honored eight educators in our First Annual Financial Literacy Month ContestWe updated our website to make it easier for you to find lessons and activities, to allow you to sign-up for webinars and surveys and we added a quiz feature too!Our work was featured in a recent New York Times columnAs we shift our focus to summer, we continue to think of ways to serve you better, including improved search capabilities of our resources, developing a question bank and creating new lessons in taxes and insurance. Please don t forget that we continue to provide the following FREE content to educators:Lesson Library: Over 70+ lessons with lesson plans, assessments and student activity guidesActivity Bank: Check out our engaging interactive exercises (over 80 available)NGPF Blog: Updated daily, provides you with case studies, questions of the day and creative ways to incorporate current events into your classroom Please send me an email (tim@nextgenpersonalfinance.org) and let me know how we can help provide you with the resources you need to succeed in the classroom. Regards,Tim Sign Up for Our Free Webinar on May 27th: Infusing Current Events Into Your Personal Finance Classroom Students see current events every day on Facebook, Instagram and Twitter. As a teacher, you want to be ready to capitalize on that interest to teach important developments in personal finance. In a recent survey of NGPF users, over 60% said they felt learning what s new in personal finance would be important to share with their students. But it s hard to quickly turn a current event into a well-designed, engaging lesson, right? Wrong! Next Gen Personal Finance is here to help you learn HOW to take the great news story you read over your Sunday coffee, and tackle it with your students on Monday WITHOUT staying up all night toiling over a lesson. Click here for additional details and to register for this FREE webinar that you won t want to miss. Questions of The DayWe love taking current events and turning them into engaging questions that you can use to kick off your lessons. Here are Questions of the Day that have been trending on the NGPF Blog: What Have Stock Market Returns Been Over the Past 90 Years?Featured Teacher: Brian Page (Reading High School, Ohio)I am excited to shine the spotlight this month on the work of Brian Page, a Finance, Economics and Business teacher at Reading High School in Ohio. Brian has won numerous awards, including 2011 Milken National Educator Award and served as a member of the Presidential Advisory Council on Financial Capability. He also brought a NY Times reporter along for a memorable field trip to visit a pawn shopwith his students. Thank you to Brian for sharing his insights on strategies that work for him in the classroom. What personal finance lesson(s) or habits did you learn from your parents? I learned three important personal finance lessons from my parents. First of all, I learned about the important connection between money and values… prioritizing financial decisions based on what my family values most. Secondly, my father modeled and instilled the spirit of entrepreneurship in me. Most importantly my parents modeled and supported the expectation of a college education and the demands of being personally responsible. What is your favorite activity to do with your students? My two favorite activities with my students is my own co-creation, the Awesome Island Game… and Budget Challenge. Both are engaging hands on learning tools students respond well to. Budget Challenge is the bridge connecting what we re learning in the safety of our own classroom to the scary and complex financial world. Budget Challenge immerses students in an online interactive simulation where they compete with students from across the country for 9 weeks, road testing their own money management strategies. If you could make one change to the way personal finance is taught in this country, what would it be? If I could change one thing about the way personal finance is taught in this country, it would be the instructor and course requirements. NEFE found that only 1 in 5 teachers are confident in teaching all of the accompanying personal finance topics, yet legislative requirements and funding fall short of providing educators with the supportive professional development and certification requirements they deserve. Further, personal finance should be a semester long high school course devoted entirely to financial education instruction that is a graduation requirement. Ideally, the course would be a requirement for juniors and seniors and include broad ranging hands on learning activities, field trips, simulations, games… and focus on topics pertaining to the financial decisions teens make today, or will soon make. Chart of the Month: How Much Is That College Major Worth?Be sure to check out this NGPF Blog post for discussion points that accompany this chart. Community ActivityNext Gen Personal Finance actively supports the financial literacy community through workshops, conference sponsorships and volunteer teaching. We are based in the Bay Area but travel constantly so e-mail me attim@nextgenpersonalfinance.org, if you are interested in discussing a speaking or sponsorship opportunity. Upcoming EventsMay 18, 2015: Personal Finance Workshop at Castilleja School (Palo Alto, CA)June 22, 2015: Summit Public Schools Summer Challenge Course (San Francisco area)June 28, 2015: National Summit on Collegiate Financial Wellness (Bloomington, IN)June 28, 2015: FBLA National Leadership Conference (Chicago, IL)Previous 2015 EventsJanuary 21-23, 2015: Collaboration with Harvard University Winter Session Personal Finance Course (Cambridge, MA)February 24, 2015: Common Ground Personal Finance Workshop for Educators and Panel Discussion With Parents (Princeton, NJ)February 28, 2015: FBLA Bay Section Conference (Daly City, CA) - NGPF provided two workshops for FBLA Advisors and studentsMarch 24, 2015: Free Webinar How To Find Personal Finance Resources January-March, 2015: Pilot at Eastside Prep (East Palo Alto, CA)April 10, 2015: FBLA California State Conference (Santa Clara, CA)Welcome to Next Gen Personal Finance s April 2015 Newsletter: It s Financial Literacy Month!To celebrate Financial Literacy Month (#FLM2015), NGPF has been planning the following initiatives:Awarding $1,500 in prizes to teachers. All you need to do is share your favorite online resources (video, article or interactive) and/or original classroom activity with an email to tim@nextgenpersonalfinance.org. Click here for details. Please don t forget that we continue to provide the following FREE content to educators:Lesson Library: Over 70+ lessons with lesson plans, assessments and student activity guidesActivity Bank: Check out our engaging interactive exercises (over 80 available)NGPF Blog: Updated daily, provides you with case studies, questions of the day and creative ways to incorporate current events into your classroom Please send me an email (tim@nextgenpersonalfinance.org) and let me know how we can help provide you with the resources you need to succeed in the classroom. Finally, I want to apologize for the email that was sent yesterday in error titled This Is Our Fake Newsletter. I am happy to send you our real April newsletter today and wish you a wonderful month!Regards,Tim The NGPF Activity BankWe continue to garner positive teacher feedback regarding our latest product, theNGPF Activity Bank. What do they like about the activities?Short 30-45 minute activities to extend your current lessonsEasy to implement in your classroomDevelops critical thinking and decision making skills through research, comparison of alternatives, analysis and mathematical calculationsOh, and we created Answer Keys (yes, they are free!) to make life easier for you. Please contact Jessica at jessica@nextgenpersonalfinance.org and let her know what you need. Here are some of our most popular activities:Analyze: Student Loan RepaymentResearch: Opening A Checking Account WebQuestDebate: Should College Students Get Credit Cards?Create: Your Savings GoalsSign Up for Our Free Webinar on April 21st: How Do I Implement an NGPFLesson in My Classroom? You ve seen our newsletter, clicked on links for our lessons, but wondered how you would implement them in your classroom. Attend this webinar and you will:Understand the 4 C s of NGPF lessons - Curated, Cohesive, Customizable, and CurrentBecome familiar with our lesson format and navigationLearn teacher-tested implementation strategies Click here for additional details and to register for this webinar that you won t want to miss. Featured Teacher: Lisa Bender (Southern Garrett High School, Maryland)This marks our first column featuring insights from a personal finance educator. Thanks to Lisa Bender from Southern Garrett High School (Maryland s Financial Literacy Teacher of the Year in 2014!) for sharing her insights on strategies that work for her in the classroom. This interview has been edited due to space constraints (full interview here):What is your favorite activity with students? Would you believe me if I told you my favorite activity is teaching students about Taxes? Without some planning and creativity, this could easily be a contender for the world’s most boring high school lesson, but when I use Take Charge Today’s “The Basics of Taxes” curriculum my classroom comes alive! What is the most common misconception that you find among your students when it comest to money? I don’t think high school students see themselves as economic decision makers; they’re still at the stage and age of life where they relate to the more simplistic idea that they fall into either the category of a Saver or a Spender. I think their misconception is that it’s alright to spend money without ever thinking about the consequences of their actions. When I poll them, it’s clear that many spend every dollar they have and don’t look to save. What concept do you find most challenging to teach your students? Certainly investing can be considered one of the most challenging set of concepts to teach high school students. They have such little background knowledge on this subject, with few students ever having paid attention to the stock market. All of these lead to a challenging task for the classroom teacher. After implementing some traditional teaching strategies for getting students familiar with the vocabulary and content, an ideal way to allow students to fully engage in learning about investing is to have your class compete in the Council for Econ Ed Stock Market Game. Chart of the Month: What Do College Frosh Worry Most About?Be sure to check out this NGPF blog post for discussion points that accompany this chart. Community ActivityNext Gen Personal Finance actively supports the financial literacy community through workshops, conference sponsorships and volunteer teaching. We are based in the Bay Area but travel constantly so e-mail me attim@nextgenpersonalfinance.org, if you are interested in discussing a speaking or sponsorship opportunity.Upcoming EventsApril 10, 2015: FBLA California State Conference (Santa Clara, CA)May 18, 2015: Personal Finance Workshop at Castilleja School (Palo Alto, CA)Previous 2015 EventsJanuary 21-23, 2015: Collaboration with Harvard University Winter Session Personal Finance Course (Cambridge, MA)February 24, 2015: Common Ground Personal Finance Workshop for Educators and Panel Discussion With Parents (Princeton, NJ)February 28, 2015: FBLA Bay Section Conference (Daly City, CA) - NGPFprovided two workshops for FBLA Advisors and studentsMarch 24, 2015: Free Webinar How To Find Personal Finance Resources January-March, 2015: Pilot at Eastside Prep (East Palo Alto, CA)Welcome to Next Gen Personal Finance s March 2015 Newsletter Next Gen Personal Finance (NGPF) is a non-profit organization that believes all young people deserve a free, quality education to develop their financial capability.We have continued to build out the NGPF Activity Bank (see below for additional details), and now have over 85 FREE activities that are engaging, educational and extend the learning for your students. Next Gen Personal Finance now provides the following FREE content to educators:Lesson Library: Over 70+ lessons with lesson plans, assessments and student activity guidesActivity Bank: Click the tab titled Activity Bank along the left-hand side to find over 80 interactive exercisesNGPF Blog, updated daily, provides you with case studies, questions of the day and creative ways to incorporate current events into your classroom Please send me an email (tim@nextgenpersonalfinance.org) and let me know how we can help provide you with the resources you need to succeed in the classroom. Regards,Tim NGPF New Product Feature: The Activity BankCheck out our latest product innovation, the NGPF Activity Bank (click on Activity Bank on the left side of the screen):30-45 minute activities to supplement your current lessonsEasy to implement in your classroomDevelop critical thinking and decision making skills through research, comparison of alternatives, analysis and mathematical calculationsOh, and we created Answer Keys (yes, they are free!) to make life easier for you. Please contact Jessica at jessica@nextgenpersonalfinance.org and let her know what you need. Here are just a few new activities that you should check out:Case Study: Mystery of the $8 Million JanitorCalculate: FICO Credit ScoresExcel: Build A Credit Card CalculatorDebate: Biggest Money Mistake You Ever MadeCreate: A Famous Person s LinkedIn ProfileIt s National Reading MonthMarch is National Reading Month. We know that finding high quality, interesting, and student-friendly articles about personal finance for a high school audience can be time consuming. All month, Jessica is highlighting one nonfiction article from our library each day. She s selecting her favorites for immediate use in your classroom. Celebrate #NationalReadingMonth with NGPF! Here are three articles that your students will enjoy:Why People Aren t Owning Cars Everyone Loves the LotteryInvesting 101Post Your Favorite Personal Finance Article, Win A $50 Amazon Gift CardFor National Reading Month, we want to know what personal finance articles you love to share with your students. Here s how to take home that prize:Like us on Facebook Post YOUR favorite personal finance article. The poster of the article with the most likes by Friday will win the $50 gift card. Chart of the Month: What s the Cost of College for 2014-15?Be sure to check out this NGPF blog post for discussion points that accompany this chart. Community ActivityNext Gen Personal Finance actively supports the financial literacy community through workshops, conference sponsorships and volunteer teaching. We are based in the Bay Area but travel constantly so e-mail me attim@nextgenpersonalfinance.org, if you are interested in discussing a speaking or sponsorship opportunity.Previous Events:October 18, 2014: FBLA Conference (Santa Clara, CA) - NGPF provided a workshop for FBLA Advisors and studentsNovember 8-10, 2014: Jump$tart Conference (Los Angeles, CA) - NGPF participated as an exhibitorNovember 15, 2014: CBEA State Conference (Monterrey, CA) - NGPF exhibited and conducted a workshop for personal finance educatorsNovember 19-21, 2014: AFCPE (Bellevue, WA) - ExhibitorDecember 9-12, 2014: Pilot at Palo Alto High School (Palo Alto, CA)January 21-23, 2015: Collaboration with Harvard University Winter Session Personal Finance Course (Cambridge, MA)February 24, 2015: Common Ground Personal Finance Workshop for Educators and Panel Discussion With Parents (Princeton, NJ)February 28, 2015: FBLA Bay Section Conference (Daly City, CA) - NGPF provided two workshops for FBLA Advisors and studentsUpcoming Events:January-March, 2015: Pilot at Eastside Prep (East Palo Alto, CA)April 10, 2015: FBLA California State Conference (Santa Clara, CA) Next Gen Personal Finance is excited to offer cash prizes to personal finance educators as a way to honor their work during Financial Literacy Month and to share top resources and activities with the educator community.Here are the details:Who is eligible? Personal finance educators at high school or college level.Five (5) $100 prizes will be awarded for engaging online resources (videos, articles, interactives) that you have found on the internet and used in your classroom.Two (2) $500 prizes will be awarded for original activities that teachers have created and used in the classroom.A link to the online resource OR a PDF of the activity that you have createdA short description of the key concepts taught by the resource/activityA short answer to “What do your students like most about this resource/activity?Send all submissions to tim@nextgenpersonalfinance.org with the subject line “NGPF Financial Literacy Month Contest”NGPF will post top submissions on the NGPF Blog, Twitter and our Facebook page.In addition, winners will be announced in our May newsletter.Welcome to Next Gen Personal Finance s February 2015 Newsletter Next Gen Personal Finance (NGPF) is a non-profit organization that believes all young people deserve a free, quality education to develop their financial capability.We recently received feedback from educators that you wanted ways to extend student learning and engagement in the classroom. We listened and are excited to announce theNGPF Activity Bank (click on Finance Activities on left side to find our 40+ activities). These 15-30 minute interactive activities will teach your students how to pick a checking account, create savings goals, understand the difference between a college s sticker price and net price. We continue to add to our FREE Lesson Library (70+ lessons and growing) and the NGPF Blog, updated daily, provides you with case studies, questions of the day, and current event ideas and is updated daily.Please send me an email (tim@nextgenpersonalfinance.org) and let me know how we can help provide you with the resources you need to succeed in the classroom. Regards,Tim RanzettaNGPF New Product Feature: The Activity BankCheck out our latest product innovation to engage your students with interactive, reality-based activities. Your students will learn to calculate, research, compare, debate, role play and create within these activities.Oh, and we created answer sheets to make life easier for you. Please contact Jessica at jessica@nextgenpersonalfinance.org and let her know what you need. Here are a few activities that your students will enjoy:Shopping with Interest: Students calculate how much items cost when factoring in credit card interest.Comparing Checking Accounts: Students conduct online research to compare and select a checking account.Create a Savings Goal: Students learn importance of goal-setting and brainstorm their savings goals.Compare Needs vs. Wants: Students prioritize their budget items and understand the role of values in how they spend their money. Paying for College Vocabulary Webquest: Students conduct online research to familiarize themselves with key terms Video ResourcesYou know students love videos but you also know finding great video resources can take time. At NGPF, we spend hundreds of hours looking for resources so you don t have to. Here are a few video (and one audio) resources that we uncovered the past month that we thought your students would enjoy:What Can Gangnam Style Teach Us About the Stock Market? (8 minutes)What Do Your Credit Card Purchases Say About You? (4 minutes)Behavioral Finance: Why Are Humans Bad Investors? (4 minutes)Community ActivityNext Gen Personal Finance actively supports the financial literacy community through workshops, conference sponsorships and volunteer teaching. We are based in the Bay Area but travel constantly so e-mail me at tim@nextgenpersonalfinance.org if you are interested in discussing a speaking or sponsorship opportunity.Previous Events:October 18, 2014: FBLA Conference (Santa Clara, CA) - NGPF provided a workshop for FBLA Advisors and studentsNovember 8-10, 2014: Jump$tart Conference (Los Angeles, CA) - NGPF participated as an exhibitorNovember 15, 2014: CBEA State Conference (Monterrey, CA) - NGPF exhibited and conducted a workshop for personal finance educatorsNovember 19-21, 2014: AFCPE (Bellevue, WA) - ExhibitorDecember 9-12, 2014: Pilot at Palo Alto High School (Palo Alto, CA)January 21-23, 2015: Collaboration with Harvard University Winter Session Personal Finance Course (Cambridge, MA)Upcoming Events:January-March, 2015: Pilot at Eastside Prep (East Palo Alto, CA)February 24, 2015: Common Ground Speaker Series and Educator Workshop (Princeton, NJ)February 28, 2015: FBLA Bay Section Conference (Daly City, CA)April 10, 2015: FBLA California State Conference (Santa Clara, CA)Welcome to Next Gen Personal Finance s January 2015 Newsletter Next Gen Personal Finance (NGPF) is a non-profit organization that believes all young people deserve a free, quality education to develop their financial capability.We hope you enjoy our first newsletter of the New Year. My goal is that you will find at least one engaging idea (and hopefully more!) that you can use in your classroom immediately.This idea might be a lesson from our FREE Lesson Library (60+ lessons and growing) or an activity, question of the day, lesson idea or current events analysis that comes from the NGPF Blog.Please send me an email (tim@nextgenpersonalfinance.org) and let me know how we can help provide you with the resources you need to succeed in the classroom. Regards,Tim Ranzetta, founderVideo ResourcesYou know students love videos but you also know finding great video resources can take time. At NGPF, we spend hundreds of hours looking for resources so you don t have to. Here are a few video (and one audio) resources that we uncovered the past month that we thought your students would enjoy:A Banking Rap (3 minutes)What is the Best Approach to Investing? (2 videos; 5 minutes total)Audio Resource: Financial Advice For The New Year (3 - 6 minutes)Chart of the MonthWe often see stock market returns described in media reports in nominal terms, such as the S P500 returned over 13% in 2014. Well, it turns out as a result of expenses, taxes and inflation, the REAL returns are often much lower. Which of these can investors control to maximize their real returns? See this NGPF blog post and find out. Community ActivityNext Gen Personal Finance actively supports the financial literacy community through workshops, conference sponsorships and volunteer teaching. We are based in the Bay Area but travel constantly so e-mail me at tim@nextgenpersonalfinance.org if you are interested in discussing a speaking or sponsorship opportunity.Previous Events:October 18, 2014: FBLA Conference (Santa Clara, CA) - NGPF provided a workshop for FBLA Advisors and studentsNovember 8-10, 2014: Jump$tart Conference (Los Angeles, CA) - NGPF participated as an exhibitorNovember 15, 2014: CBEA State Conference (Monterrey, CA) - NGPF exhibited and conducted a workshop for personal finance educatorsNovember 19-21, 2014: AFCPE (Bellevue, WA) - ExhibitorDecember 9-12, 2014: Pilot at Palo Alto High School (Palo Alto, CA)Upcoming Events:January 21-23, 2015: Collaboration with Harvard University Winter Session Personal Finance Course (Cambridge, MA)January-March, 2015: Pilot at Eastside Prep (East Palo Alto, CA)February 28, 2015: Common Ground Speaker Series (Princeton, NJ)February 28, 2015: FBLA Bay Section Conference (Daly City, CA)April 10, 2015: FBLA California State Conference (Santa Clara, CA)Welcome to Next Gen Personal Finance s December 2014 NewsletterNext Gen Personal Finance (NGPF) is a non-profit organization that believes that all young people deserve a free, quality education to develop their financial capability.We hope you enjoy our second newsletter. It was gratifying to see the interest, emails and calls that came from our November newsletter. You confirmed our hopes by telling us that you found ideas/activities that you could incorporate into your classroom. We love your feedback so please let us know how we can continue to serve you.Also, please be sure to bookmark our FREE Lesson Library and check back frequently as each month we will be adding new lessons (check out our Investing Basics lesson which we recently added). Regards,Tim Ranzettatim@nextgenpersonalfinance.orgChart of the MonthThis set of charts shows how spending patterns for middle-income families have changed over the last six years. See what insights student glean from analyzing these charts. Community ActivityNext Gen Personal Finance actively supports the financial literacy community through workshops, conference sponsorships and volunteer teaching at local high schools. Contact us at tim@nextgenpersonalfinance.org if you are interested in discussing a speaking or sponsorship opportunity.Previous Events:October 18, 2014: FBLA Conference (Santa Clara, CA) - NGPF provided a workshop for FBLA Advisors and studentsNovember 8-10, 2014: Jump$tart Conference (Los Angeles, CA) - NGPF participated as an exhibitorNovember 15, 2014: CBEA State Conference (Monterrey, CA) - NGPF exhibited and conducted a workshop for personal finance educatorsNovember 19-21, 2014: AFCPE (Bellevue, WA) - ExhibitorUpcoming Events:December 9-12, 2014: Pilot at Palo Alto High School (Palo Alto, CA)January-March, 2015: Pilot at Eastside Prep (East Palo Alto, CA)February 28, 2015: Common Ground Speaker Series (Princeton, NJ)Welcome to Next Gen Personal Finance s November 2014 Newsletter Next Gen Personal Finance (NGPF) is a non-profit organization that believes that all young people deserve a free, quality education to develop their financial capability. Four years ago, I started teaching personal finance at an East Palo Alto, California high school and spent dozens of frustrating hours doing Google searches to find that perfect resource for my students. At NGPF, we spend hundreds of hours finding those perfect resources for YOU, package them into engaging lessons and create rich performance tasks to ensure students can apply their learning. Check out our FREE Lesson Library, which now has over 50 easy to implement lessons. My hope with this newsletter: You will find a few ideas that you can implement immediately in the classroom. We love your feedback so please let us know how we can continue to serve the personal finance educator community. Regards, Tim Ranzetta tim@nextgenpersonalfinance.org Chart of the Month: They say a picture tells a thousand words. How about one picture showing 500 companies? Check out the chart in this post(larger image appears in blog post) which provides a graphical representation of the S P500 while also reinforcing investing concepts such as diversification and return on investment. Trends: The one constant in the personal finance world is change. We meet that challenge head-on with timely updates on new developments. Here are some examples of what we have been tracking: Credit Cards: Here are some of the trends we noted in our last credit card update:Millennials using credit cards less than older generationsWhat are new credit cards going to look like?Apple Pay had a million credit cards entered in first three day.October 18, 2014: FBLA Conference (Santa Clara, California): NGPF provided a workshop for FBLA Advisers and studentsNovember 8-10: JumpStart Conference (Los Angeles, CA): NGPF participated as exhibitorNovember 15th: CBEA State Conference (Monterey, CA): Exhibitor and workshop for personal finance educators Hello!Well, it s been several years since I last checked in and I hope you are doing well. So what have I been up to? In a nutshell, pursuing my passion: personal finance education. I have spent the past few years in the classroom teaching personal finance at Eastside Prep., an inspiring place which sends 100% of their first generation students onto college. I created my own curriculum with an emphasis on honing student decision-making skills in a real-world context. My students loved divining the mysteries of the credit card disclosures ( Schumer Box ), analyzing checking account fee schedules to calculate the cost of overdrafts and developing a critical eye while watching credit card ads. The engagement of my students led to the launch of a new non-profit, Next Gen Personal Finance. So, what is Next Gen Personal Finance (NGPF)? We have developed a FREE curriculum that combines curated web content with engaging in-class discussions and projects. We have found the best videos, articles, interactives and simulations from the web and combined them with assessments (to check for understanding) and engaging, real world projects to build student s decision-making skills. Students learn by doing and with NGPF, we currently have 30+ lessons on credit cards, checking, saving, credit scores and budgeting (lessons on paying for college, investing and careers will be released by November 1st). Oh, and it s easy to implement in a workshop format or through independent student work! I know many of you share the passion I have to improve the financial education of our young people. Please reach out to me at tim@nextgenpersonalfinance.org if you are interested in learning how NGPF can help you further your goals. I look forward to talking soon!If you want to follow our progress... For a sample of our work, here is a lesson within our Credit Card unit on The Costs of Not Paying Off Your Credit CardCheck out ALL of our lessons hereRead the Next Gen Personal Finance BlogFollow me on Twitter @NextGenPFOur Pinterest page SLA :: RatingsTrusted source for independent, objective and timely information about private student loans Paying for College BlogSite for parents and students looking for independent and objective information about financing a college education

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