Cleo's Credit Promise Challenge
Practice borrowing thoughtfully, making a plan, and asking for help.
Free · 2 pages · US Letter · Student sheet + grown-up guide
“Keep your promises and doors will open.”What would you choose?
Online practice stays on this page. Download the PDF to keep a paper copy.
A question to grow on.
What should you understand before borrowing? Who could help if your plan gets tricky?
Grown-up notes & answer guide
Credit means borrowing money with an agreement to repay it. Interest or fees can add to what must be repaid.
Everyday promise-keeping is an analogy for responsibility. Returning a toy does not create a credit score; real scores use information from credit history.
These are pretend stories, not an invitation for children to take out loans. If a plan becomes hard to keep, talk to a grown-up early and discuss next steps.
Answer key / example: Story 1: A, return the art kit as agreed. Story 2: B, talk to a grown-up early about the repayment problem. Story 3: B, borrowed money must be repaid under the agreement.
Vocabulary reference: CFPB youth financial education glossary.