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.

This resource is currently being updated ready for the start of term - broken links fixed and updated content. You can download now but please check you have the latest version before using it in the classroom.

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. 

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:

  • Activity: 28099 Interactive Student Workbook