RANDOLPH AIR FORCE BASE, Texas –
Team Randolph members will soon have an opportunity to expand their knowledge of credit and learn how to make better financial decisions.
"Credit When Credit is Due," a financial education course presented by the Airman and Family Readiness Flight and Randolph-Brooks Federal Credit Union, will be offered for five consecutive Tuesday evenings starting Feb. 2 at the Airman and Family Readiness Center.
The course, which requires that a participant attend each session, will cover building and rebuilding credit, understanding the credit process, auto loan leases and mortgage loans as well as financial decision-making, bankruptcy, investing and other topics.
"It's really good information," said Wendy Warner, A&FRF community readiness consultant. "Each session has different topics presented by subject-matter experts, so you're getting the best information possible."
The course, a nationally standardized financial education program, is designed to help consumers understand how credit and debt work and develop effective money-management strategies.
"The course helps people understand the use of any kind of credit and anything that would affect your credit," Ms. Warner said. "The presenters go over the gamut of credit issues. It's crucial for everyday living."
She said the classes are small enough that they are "discussion-friendly."
"There are homework assignments, but there are no grades," Ms. Warner added.
She said the financial experts who teach the course are "very encouraging."
"They volunteer to do this because they really like to educate people," Ms. Warner said. "And they present the information in a way that's interesting."
In addition to the knowledge they gain, participants will be registered in a national database and sent a registration card identifying them to lenders as graduates of a recognized credit education program. They also will be given information cards they can send to the three major credit bureaus.
"It's a good reflection on you," said Ms. Warner.
Another bonus of the course is its price, she said. RBFCU members pay $10 while nonmembers pay $25 - or half the normal fee of $50.
The course's sessions are Feb. 2, 9, 16, 23 and March 2 from 5:30-7:30 p.m. To sign up, call Ms. Warner at 652-5321.