Learning path

Debt-Free Foundations

Understand how balances grow and compare practical payoff methods.

Estimated time: ~45 minutes

Educational progress only — not a professional certification.

1. Lesson 1

   Why minimum payments can keep consumers in debt

   9 min · foundational

2. Lesson 2

   How credit card interest is calculated

   12 min · intermediate

3. Lesson 3

   Debt snowball vs. debt avalanche

   9 min · foundational

4. Lesson 4

   How to stay debt-free after paying off debt

   8 min · intermediate

Recommended calculator: credit card payoff

Suggested next path: understanding credit without living in debt