Using Credit - Minimise Your Debt: US 28099

This resource helps teachers deliver the Financial Capability Unit Standard 28099 ‘Analyse credit options and select strategies to manage personal finances’ (Level 3, 3 Credits). Students will learn about credit options, debt management and strategies to manage personal finances. You will analyse credit options in terms of their advantages and disadvantages in relation to a range of components.

Curriculum links

Financial Capability is a core generic domain on the New Zealand Qualifications Framework. This unit of work also has links to the Social Sciences and Mathematics and Statistics learning areas. 


Click here for an Interactive Financial Capability US Matrix

Using Credit - Minimise Your Debt: US 28099

  • Year 11-13
  • 25-30 hrs
  • Mathematics and Statistics
    Social Sciences
    Level 3 Financial Capability Unit Standard
  • Free to NZ Schools
  • Led by teachers
    Training Available
Download overview

Students taking part will

  • Investigate various credit options from different banks 
  • Investigate personal loan options from different banks 
  • Investigate different hire-purchase options 
  • Obtain a mortgage quote 
  • Understand the features of credit options 
  • Complete various exercises calculating deposits, interest, and repayments 
  • Investigate fees relating to credit options 
  • Learn requirements relating to credit contracts 
  • Consider consequences of credit and debt
  • Select strategies to manage personal finances
  • Complete a practice assessment


For access to the detailed Teaching Guide and Student Assessment for this Unit Standard, please contact us via email at:

Download includes:

  • Using Financial Capability Unit Standards
  • Activity: 28099 Interactive Student Workbook
  • Helpful information