Credit & credit reports
Credit scores, credit reports, payment history, utilization, inquiries, and how lenders evaluate applications.
Moya & Moya / Financial Education
Financial education
Understand the systems behind your money.
Clear, research-informed education about credit, debt, savings, banking, and the financial decisions people face every day.
Financial knowledge without the jargon.
Financial products and systems can be difficult to navigate. Our educational approach breaks down how they work, what questions to ask, what costs to look for, and where to find reliable information.
We focus on building understanding and confidence—not selling financial products or promising a particular financial outcome.
Borrowing & debt
APR, interest, fees, repayment schedules, credit cards, personal loans, auto loans, and short-term lending.
Banking & savings
Deposit accounts, account fees, emergency savings, interest, deposit insurance, and comparing account terms.
Everyday financial decisions
Reading financial offers, comparing total costs, recognizing risks, and asking informed questions before signing.
Consumer finance & protection
Understanding consumer financial products, common practices, disclosures, and where to find official help.
Markets & the economy
Accessible explanations of inflation, interest rates, financial institutions, market events, and household impacts.
How we teach
Practical, neutral, and grounded in evidence.
We use plain-language explanations, real-world examples, source notes, and learning activities. Materials can be adapted to different audiences and levels of prior knowledge.
ExplainMake financial terms and mechanisms understandable.
CompareShow how to examine costs, terms, and trade-offs.
EvaluateHelp learners identify questions, risks, and reliable sources.
Who we aim to serve
Educational content and programs can be designed in partnership with organizations serving:
Adults and households
People seeking clearer information about credit, borrowing, banking, and everyday financial choices.
Students and emerging adults
Learners building foundational knowledge as they encounter financial products and responsibilities.
Community organizations
Organizations that want accessible, noncommercial educational resources for the people they serve.
Workplaces and institutions
Employers, schools, agencies, and partners interested in financial education initiatives.
Explore our research
Our research examines the financial systems and consumer behaviors behind the topics we teach.
Bring a learning program to your organization
We are interested in conversations with schools, libraries, community organizations, employers, and public-interest partners.
Discuss an educational program