The issue of credit is an ever-growing concern in today's world. Educating young people about responsible use of credit and debt is the key to building a society that lives consumer debt-free. This program follows two high school students: Julian and Aaron. Julian gives Aaron a lesson in credit, specifically, the use of credit cards. They discuss the benefits of having credit and the consequences of misusing it. It is directed at young people so that they can live "money smart."