Planning and budgeting	Getting started	Understanding paperwork	Credit providers
Dealing with debt	Rights and responsibilities	Planning for the future	A roof over head

Credit providers discusses some of the issues that need to be considered when using a credit card and/or applying for a loan.

The workshops include:

• Credit and credit cards - discusses credit, who offers it, obligations in credit agreements, interest rates, repayment options and how to handle credit more effectively.
• Loans - explains credit ratings and considers some of the features that apply to different loans including interest rates, incentives and interest free periods.

• Credit and credit cards (PDF, 44kb)
• Loans (PDF, 44kb)

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