The need for youth credit card education is clear given the many statistics indicating increasing credit card debt and an overall scarcity of credit card education targeting youths. The Teen$ Credit Card simulation program offers youths an opportunity to experience "owning" a credit card, using it, and realizing the consequences of carrying a high balance from month to month. Participants have a chance to discover the benefits and detriments of using a credit card in a safe environment before potentially making mistakes in real life. University of Idaho Extension educators have presented this program to over 550 youths in a variety of settings, with evaluation results indicating self-assessed increases in knowledge and planned positive behavior changes.

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