Students investigate different types of borrowing and look at their advantages and disadvantages. They consider why people would want to take out loans and if there are any suitable alternatives. They look at loan applications and brainstorm what kind of questions the bank manager might ask them. Credit cards are dealt with next. Students look at the advantages and disadvantages. They are introduced to the idea of APR as a means of comparing loans and credit card deals. They discuss two scenarios dealing with characters looking for loans for specific purposes and come up with possible solutions to the scenarios. They look at credit ratings and credit reference agencies and consider the differences between manageable and unmanageable debt. Finally, they use their acquired knowledge to choose the most appropriate way to buy a car on credit.