It’s no secret that the American culture has money problems, but more specifically – credit problems. Consider the following statistics: every three months, 250,000 new families enter into foreclosure, and the average family has $16,000 in credit card debt. One reason American’s poor relationship with credit may be that many states’ educational systems aren’t great at producing financially literate graduates. That’s why we created this guide – to empower parents with a helpful step by step process that will provide them the tools they need to ensure that their children develop a healthy relationship with credit, and understand financial literacy by the time they graduate.