Please visit our prevention resources for more information how to better assist borrowers with default aversion. For more information, we suggest you visit Default Prevention Internet Resources to view various default prevention resources and follow instructions for further assistance.

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Starting Balance™

Starting Balance™ courses, as a series, provide an excellent curriculum for empowering students with the knowledge they need to guide students in three key areas: basic money management, academic success, and career and life development. The courses are delivered individually as students enter, progress through, and complete the college experience.

• Life After College
  Launching life and career
  
  Produced especially for students exiting the higher education environment, Life After College provides valuable guidance for the important transition from school to career.
  
  
• Money Management 101
  Managing your money
  
  Designed for first year undergraduate students, Money Management 101 delivers essential knowledge on basic money management skills.
  
  

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Achieving Balance™

Achieving Balance™ courses emphasize specific aspects covered in the Starting Balance courses, providing more in-depth information and tools that can enhance learning points covered in starting balance. They are meant to be selected individually based upon your preferences on the areas or topics that you feel need further reinforcement to your student population.

• Credit Basics
  Understanding credit and how it affects your financial well-being
  
  Credit is the key to your financial life. Your credit score and history are used to determine the interest rate you pay on credit cards, car loans, home mortgages, and much more. It can even be used to determine whether or not your application for an apartment rental is accepted. This session stresses the importance of maintaining good credit and provides an explanation of credit scores and reports.
  
  
• Credit Card Basics
  Avoiding the credit trap
  
  The moment students arrive on campus they are tempted with credit card offers. This session explains how credit cards work and provides tips on how students can avoid credit card debt. In addition students will learn about credit card terminology and the different fees that credit card companies use to calculate totals.
  
  
• Expectations
  A look at the real world after college
  
  Providing enhanced information on career development, this session for students reinforces key concepts related to transitioning from college to career and evaluating their future work and professional life.
  
  
• The Brewing Storm: Consumerism and Financial Literacy
  Avoiding the financial pitfalls of consumer culture
  
  Each day we are exposed to hundreds of advertising messages. This session investigates the influences of advertising and promotion that bombard a student every day and how students can avoid being enticed into debt by these influences.
  
  
• What's in Your Piggy Bank
  All about savings and investments
  
  Providing enhanced information on effective savings and investment practices, this session for students reinforces key concepts related to saving and investing for the future.
  
  

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Maintaining Balance™

Maintaining Balance™ courses are special topics that, when combined with starting balance courses, provide further information on important issues and concepts that are especially relevant to students. They can be delivered individually, or in collaboration with Starting Balance or Achieving Balance courses, to deliver important information for student success.

• Consequences of Default
  Protecting your investment in you
  
  Focusing on the key issue of default, this session informs students of the consequences of default and how they can negatively impact future opportunities.
  
  
• Financial Fitness
  Developing the right spending plan
  
  Focusing on the key issue of identifying and implementing effective spending strategies, this session encourages students to formulate and implement effective spending practices.
  
  
• Identity Theft
  Prevent one of the fastest growing crimes in the country
  
  As credit and information becomes more readily available, the chances of having your identity stolen and used improperly increases. This session identifies different methods that thieves use to gain information and provides tips on preventing identity theft.
  
  
• Is Student Loan Consolidation Right for You?
  Understanding your options
  
  If you already have a student loan, chances are you have received an offer to save on your payments and lock in a low interest rate. With this in mind, this session will discuss and outline the options you have and help you to decide if consolidation right for you.
  
  

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For more information,

call Joe Braxton,
(800) 252-9743,
ext. 4696, or
Rett Anderton,
(800) 252-9743,
ext. 4765,
or send an e-mail to positivebalance@tgslc.org.