Solving the Problem

Opportunity: UF students not knowing how to build credit

Solution: UF should provide a class for this problem. It should be called CRD2850 because the class shouldn't be an upper-level class and 850 is the maximum credit score. This class should detail what credit is, how to build credit, what good/bad credit can cause, and what other things credit can do. This class should be mandatory and require students to get involved outside of the class. For example, students could open some type of checking account or credit card, and throughout the semester, they learn how to use either and master their spending to build their credit. Therefore, after the class, they can continue these habits and teachings for the rest of their life because unlike most classes, this class would provide useless information and techniques to use in everyday life. Finally, what would help the class be more effectively is if the class was made free for students to not add onto the costs or credits for pay for with their student loans.