Financial Literacy. Over the past decade “Financial Literacy” has received increasing attention in all levels of schools. What does it mean to be financially literate? How do financially literate people handle credit cards? Credit Ratings. Companies such as the Fair Isaac Corporation (FICO), CoreLogic, Experian, and others provide lenders with credit ratings. What are some of the key factors considered in calculating these scores? Decide what you can do to have as good a rating as possible. Debt. How do the policies and availability of credit cards affect students’ debt? What is the potential impact on students’ financial future? What can be done to ensure people enjoy a secure financial future.