20.2 Drag and Drop – Identify Debt Warning Signs

Στόχοι Μαθήματος:

  • Debt Warning Signs – Spot red flags σαν only paying minimums, using credit for basics, and avoiding account balances so you can act early.

  • Debt-to-Income Ratio – Understand that a high debt-to-income percentage (e.g., 50 %+) drains your cash for essentials and savings.

  • Emotional & Life Impact – Realize how money stress can harm sleep, school, and relationships, and how missed payments hurt credit scores and future opportunities.

Smart Response – Learn steps to seek help—credit counseling, budgeting, or consolidation—before debt spirals out of control.

Βασικές πληροφορίες μαθήματος:

  • Too Much Debt = Red Flags – Relying on credit for groceries or making only minimum payments signals trouble.

  • High Interest Adds Up – Easy-access credit and late fees turn small balances into heavy burdens fast.

  • Debt Hurts More Than Wallets – Stress, lower credit scores, and lost opportunities (housing, jobs) are real consequences.

  • Help Is Powerful – Reaching out for credit counseling, trusted adults, or a spending plan can break the cycle and rebuild financial health.
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