Volunteers Who CARE

Throughout April, we are celebrating Financial Capability Month by featuring a variety of financial education programs and resources that you can put to use in your classroom right away. The eighth of these programs is the Credit Abuse Resistance Education (CARE).

teacher with students

In 2002, retired U.S. Bankruptcy Court Judge John Ninfo turned his passion for teaching youth the consequences of credit card misuse into a nationwide effort to bring the expertise of bankruptcy professionals to the classroom. CARE helps volunteers deliver financial lessons to students. In 2016, over 35,000 students and young adults benefited from CARE presentations across the U.S. and Puerto Rico.

Recently CARE updated its volunteer presentations and made them available online to financial professionals and educators. Each lesson includes objectives, essential questions, instructional strategies, student note takers, and extension activities. With a free sign-in, you can access the entire curriculum. Which CARE lesson would you like to see presented in your class? (There are two CARE chapters in Pennsylvania. You can get details or locate another volunteer here.)

Image showing presentation slide


  • Brush Up on Budgeting – Like brushing our teeth, budgeting is a habit that is developed over time. And, if you don’t do it, there can be unpleasant consequences.
  • The Truth About Credit – Can your students spot the truths and lies about credit? This lesson helps to bust some of the myths young people often believe about credit.
  • Student Loans: Handle with Care – Investing in higher education can pay off for many years, but students should understand the pros and cons of different ways to pay for higher education.

In celebration of Financial Literacy Month, CARE recently released infographics to go with each of the three lessons, too. Check them out and bookmark the CARE blog to stay up-to-date.

Look for more featured resources throughout April: Financial Capability Month. 

Disclaimer: Resources included on the Making Cents blog have been reviewed by Pennsylvania educators and deemed worthwhile for classroom or professional use. Inclusion does not indicate endorsement by the Pennsylvania Department of Education or Penn State University.

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