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Our trained counselors have been in front of over 25mm students. We are passionate about helping students avoid pitfalls BEFORE those nightmares happen.

Larry Chiang, America's #1 credit coach, published these tips in a book 99tips that you can get for free in MS word format. The reason that its in MS word is for you to easily copy and pass on the material. Know that we are enlisting your support in the fight against financial illiteracy and that you are a critical component of this.

99tips material click here… freebook@credithealthy.com

Email us if you are interested in adding this material to educational materials that you want to forward. Remember this material is NOT copyrighted and you are free to "cut and paste" without written approval. If you are like some schools and want to take our educational material verbatim but still want to give credit, you can cite this website as your source. ALSO, if you feel better, our legal department can draft a letter saying that it's ok to fully reprint our material.