This study examined the effect of a credit focused personal finance module on high school students’ understanding of the positive and negative effects of credit as measured by a pre and post-test comparison. This study involved a collaborative effort between a teacher educator, an inservice teacher at Greene Central High School, and a preservice teacher to develop a credit focused personal finance module in order to increase high school students’ understanding of the positive and negative effects of credit. The research question of this study is: What effect does a credit focused personal finance module have on high school students’ understanding of the positive and negative effects of credit as measured by a pre and post-test comparison? At the conclusion of the study, students and the teacher completed surveys about the credit module experience. The results show that students in the experimental group scored 13 points higher on average on the final assessment than students in the control group, though students in the control group experienced the largest growth
