By the end of this module, students will be able to:

• Identify exactly what loans they have and what type (subsidized vs. unsubsidized, Direct vs. other).

• Understand where their payment goes each month (and why it can feel like nothing is changing).

• Explain how interest accrues and capitalizes and what moves reduce the “bleeding.”

• Choose a “next best step” focused on payoff progress and peace.