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Category · 8 lessons

Credit & Debt

Credit scores, HECS/HELP, credit cards and buy now pay later. Understand how debt works so it doesn't work against you.

📖 8 lessons
⏱ ~5–10 min each
✅ 1 free lesson
🔧 2 free tools
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All 8 Lessons
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Lesson 1
How Your Credit Score Is Calculated
What actually goes into your credit score and what you can do to improve it.
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Lesson 2
How to Use a Credit Card Without Getting Into Trouble
The mechanics of credit cards, interest-free periods, and how to use them as a tool.
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Lesson 3
Understanding Your Credit Report
How to access your free credit report, what's on it, and how to dispute errors.
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Lesson 4
HECS/HELP Debt Explained
How the repayment system works, what indexation does to your balance, and when to pay early.
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Lesson 5
Personal Loans: When They Make Sense
How personal loans are priced, when they're useful, and the traps to avoid.
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Lesson 6
Debt Traps to Avoid in Your 20s
Payday loans, rent-to-buy schemes and other products designed to keep you in debt.
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Lesson 7
Debt Consolidation: Does It Actually Help?
When consolidating debt is smart and when it just moves the problem around.
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Lesson 8
Recovering From Debt: A Practical Path Out
Strategies for paying down debt systematically — avalanche, snowball and hybrid approaches.
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Complete Guide
The Young Australian's Guide to Credit & Debt
A deeper dive across all topics. 20–25 min read. Goes further than the lessons alone.
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Tools for this category
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Credit Card Repayment
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Personal Loan Calculator
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