Credit Abuse Resistance Education Program (C.A.R.E.)
To educate young people about the hazards and pitfalls of credit card use and abuse.
High School Juniors and Seniors
A one-hour, interactive presentation by judges and lawyers focusing on the proper use of credit cards; the cost of credit, the effects of credit card use and abuse on credit availability, employment, and future educational opportunities; and the economic and personal effects of credit card abuse. See Program Outline for more details.
- If you have financial problems when you graduate, you may not get that job you had hoped for -- the job that would help you pay your bills and enable you to buy the things you want -- because some employers check potential employees' credit histories.
- Poor financial management may prevent you from getting job promotions, especially in jobs that involve handling money.
- Begin in debt or having a poor credit history may affect your ability to get a student loan or other financial aid to go to college or technical school.
- On college campuses and at athletic events, fellow students may offer you t-shirts, free meals and other attractive gifts to induce you to sign up for a credit card. This is not the way to get a credit card!! Often, these cards have very high interest rates and restrictive or punitive repayment terms.
- Some students have had to drop out of college or technical school and have even committed suicide when faced with unmanageable debt caused by overspending and easy credit.
- U.S. Bankruptcy Judges,
Western District of Missouri and District of Kansas
- Kansas City Bankruptcy Bar Association
- Kansas City Women Bankruptcy Attorneys, in partnership with the University of Missouri Extension Service