RU Debt Free Curriculum


  • What is budgeting?
  • Why do I need to budget?
  • Components of a budget
  • Budget formats
  • Online and other tools/resources
  • Goal setting and regular review
  • Assignment: Create your own personal budget

Banking, bank accounts and saving

  • Types of accounts – What’s best for me?
  • Bank interest and other incentives
  • Fees and services charges
  • Overdrafts, loans and lines of credit
  • Other services that banks and credit unions offer
  • Saving for the future

Credit basics

  • What is credit?
  • The 4 C’s of credit
  • Types of credit
  • Credit ratings
  • Credit reporting
  • How credit spending and repayment habits effect you now and in future
  • Bankruptcy and Consumer Proposals

Paying for school

  • Education financing options
  • Qualifying for government funding – grants and bursaries
  • Programs – Awards, bursaries and scholarships
  • What happens if my student account is in arrears?
  • What happens if I can’t pay my tuition?
  • Is one-on-one confidential financial counselling available at Ryerson?

Life after school

  • I’ve graduated – now what?
  • Student loan repayment
  • Assistance and supports available
  • Perspectives on the current job market