Many older adults have used credit for 40 or more years although likely in different ways now than when they were younger. Credit is an aspect of personal finance that people manage their entire adult lives. From a suggestion made by a student, this class will cover the basics of credit and debt including terminology, credit reports and scores, credit card features and fees, stages of credit difficulty, debt metrics, strategies to reduce debt, types of bankruptcy, and credit resources such as knowledge and behavior quizzes and debt reduction acceleration tools.