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University of Minnesota Extension

Credit and debt

Person paying with a credit card

Financial decisions

There's a good chance your family uses credit of some kind, whether it's a bank loan, credit card, payment plan at the store, or personal loan from a family member. Credit can help us get things we need and things we want, but it should be used wisely. If you use too much credit or have too many debts with too many people, financial decisions can quickly become complicated.

Building credit without a Social Security number

Learn how to start building credit, even if you don’t have a Social Security number.

Checking your credit report

Find out what a credit report is and how to get your to check for costly errors.

How much debt is too much debt?

How can you determine if you are getting into too much debt?

Alternative financial services and avoiding the debt trap

Learn how to pay off payday loans and other “fringe” banking services so you can start building wealth. 

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