Geared towards FE (and easily adjustable to suit a younger audience), this session introduces students to some key aspects of personal finance, focusing on borrowing money and understanding interest rates, repayment of debts, credit reports and different types of debt. It also offers the opportunity for discussion on the ethics of certain types of lending and consideration of the debt cycle. •Interest Rates and APR •How repayments on borrowing are calculated •Different types of borrowing •Credit Reports •CCJs, IVAs and Bankruptcy •The debt cycle