Lesson

Loan Management & ROI

11-12th Grades

45 min

Summary

Skipping student loan payments doesn't just delay the bill—it can shadow your finances for decades. Explore grace periods, repayment plans, and the true cost of borrowing to fund a degree.

Activities

Bellringer: Six Months of Silence

Pose the scenario: you lost your job and skipped student loan payments for 6 months.
Prompt students to predict the consequences before revealing them.

6 min

Instruction

Walk through grace periods, standard vs. income-driven repayment, and forgiveness.
Break the "Danger Zone" terms—delinquency, default, deferment, forbearance—across slides.

10 min

Discussion: Passion vs. Paycheck

Facilitate the love-your-job vs. love-your-paycheck balancing act.
Ask students to name warning signs of leaning too far in either direction.

8 min

Activity: Repaying Student Loans

Students read the Repaying Student Loans article and find 3 real consequences of default.
Use the Student Loan Calculator to test different rates and payoff speeds.

15 min

Wrap-Up & Assessment

Would you rather have deferred loans or loans in forbearance? Why?
List 3 jobs that may qualify for Public Service Loan Forgiveness.

6 min

Est. Time	Activity	Description
6 min	Bellringer: Six Months of Silence	Pose the scenario: you lost your job and skipped student loan payments for 6 months. Prompt students to predict the consequences before revealing them.
10 min	Instruction	Walk through grace periods, standard vs. income-driven repayment, and forgiveness. Break the "Danger Zone" terms—delinquency, default, deferment, forbearance—across slides.
8 min	Discussion: Passion vs. Paycheck	Facilitate the love-your-job vs. love-your-paycheck balancing act. Ask students to name warning signs of leaning too far in either direction.
15 min	Activity: Repaying Student Loans	Students read the Repaying Student Loans article and find 3 real consequences of default. Use the Student Loan Calculator to test different rates and payoff speeds.
6 min	Wrap-Up & Assessment	Would you rather have deferred loans or loans in forbearance? Why? List 3 jobs that may qualify for Public Service Loan Forgiveness.

Lesson Prep

Repaying Student Loans Article

Students can read about how to pay back student loans including various repayment options.

Repaying Student Loans Article

Students can read about how to pay back student loans including various repayment options.

Article

7 min

Class Presentation

Includes a 23-slide deck with teacher notes. Present from Banzai, download a PDF, or copy it to Google Slides.

Presentations, Ready to Go

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Teacher NotesSlide-by-slide guidance, printable as one handout

Unit 11: Planning for College

Strategic Alternatives to College

The four-year degree isn't the only road to a good income—and often not the smartest one. Explore trade schools, apprenticeships, the 2+2 strategy, and going straight to work as legitimate paths to a financially secure future.

10-12th Grades

45 Min

Student Loans 101

A student loan isn't free money — it's a bet on your future income that follows you for decades. This lesson explores subsidized vs. unsubsidized loans, federal vs. private options, and the 1x rule for borrowing within your means.

11-12th Grades

45 Min

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