Empty space, drag to resize


Understanding Personal Credit And Your Credit Score
Director of Educational Outreach at Next Gen Personal Finance
Empty space, drag to resize

Course Description

When asked about credit, many people immediately visualize a plastic card and the fluctuating score that comes along with it. They think their credit score is out of their control, and that they are constantly judged for it. Financial educator Yanely Espinal provides a crash course on credit, dispelling common myths and empowering viewers to take control of their relationships to credit—a particularly important action in a culture where credit is closely linked to systemic racism and injustice.

This course consists of a 30-minute video, a worksheet and action plan to be completed while watching, and hours of research opportunity.


Yanely Espinal
Director of Educational Outreach at Next Gen Personal Finance
Yanely Espinal is the Director of Education Outreach at Next Gen Personal Finance and the Creator of the MissBeHelpful YouTube channel, where she posts weekly videos about money. Born and raised by Dominican, immigrant parents in Brooklyn, New York, Yanely is a proud product of NYC public schools. She majored in Art at Fiorello H. LaGuardia High School before going on to receive her bachelor's degree in History of Art/Architecture and Visual Art at Brown University. She later earned her master's degree in teaching and after struggling with credit card debt, became passionate about personal finance education. When she isn't working, she sews, paints, listens to podcasts, and babysits her 8 nieces and nephews.