KIDZ ECONOMY PERSONAL ECONOMY SERIES · COURSE 2 OF 3
D.E.B.T.
Bureau
Decide · Evaluate · Borrow · Trust
Borrowing isn't bad — borrowing blind is.
A gamified money-life simulation for students aged 8–11 run as a school CCA, in-school enrichment, or a holiday camp where they meet credit offers, weigh the real cost of borrowing, and build a credit score they can be proud of.
8–10
WEEKS
50
MIN / LESSON
8–11
AGE GROUP
🎒
Theo
Your guide through the Personal Economy Series — tempted by "buy now, pay later."
The only program where students borrow, repay, and build a credit score in a live simulation — and learn what money really costs when you don't have it yet.
THE PROBLEM
Debt is the money trap that catches the people who were never taught it young.
"Buy now, pay later" is everywhere a child looks — in apps, in games, on every checkout. The pull to have something before you can afford it is the most natural feeling in the world, and the most expensive one when nobody's explained the catch. Most people only learn how borrowing really works after it's already cost them.
D.E.B.T. flips that. Students borrow safely inside a simulation — feeling interest add up, repayments bite, and a credit score rise or fall with every choice — so the real lessons land years before the real stakes do. They leave knowing debt is a tool, not a monster: powerful when used well, dangerous when used blind.
Buy now → pay more
the hidden cost of borrowing, made visible — the same thing costs more when it's borrowed for.
Good vs bad debt
the distinction that changes a life — borrowing for what lasts vs what's gone by morning.
Trust = a score
students discover their reputation as a borrower is something they build, or break, on purpose.
HOW IT WORKS
The money-life simulation — now with borrowing switched on.
🤝
Take the Offer (or Don't)
Students can borrow to get things sooner — but every borrow is a real choice with a real consequence that follows them through the program.
📈
Interest & Repayment
They watch interest stack and repayments bite — feeling first-hand how a small debt grows when you only nibble at it.
⭐
Build a Credit Score
A live Trust meter rises with smart borrowing and on-time repayment — and drops hard with over-borrowing and missed payments.
📡
Offers & Traps
Breaking News brings tempting deals — some smart, some "too good to be true." Students learn to tell them apart.
WHY IT MATTERS
The difference between debt as a tool and debt as a trap is taught — or learned the hard way.
🧠
Experience Over Instruction
Students don't hear a warning about interest — they watch a borrowed treat quietly cost double, and never forget it.
🎭
A Guide They Root For
Theo's itch to "buy it now" is every student's temptation. Helping him decide trains them to decide for themselves.
🛡️
Spotting the Trap
Having met a predatory "too good to be true" offer in the sim, they'll recognise the real ones for life.
LEARNING OBJECTIVES
What D.E.B.T. sets out to teach.
01
Decide whether to borrow or wait — and know the difference it makes.
02
Understand interest — what borrowing actually costs.
03
Tell good debt from bad debt.
04
Build and protect trust — a credit score worth having.
PROGRAM JOURNEY
A serialized money life across up to 10 lessons — 7 core, 2 supplementary, and a finale.
1
The First Offer
Theo can have it now instead of saving up. Students meet their first credit offer — and the choice to take it or wait.
2
Interest, Repayment & the Trap
Borrowing's true price shows up — interest, repayments, credit scores and the spiral. Students learn to borrow as a tool, not fall into a trap.
3
Theo Signs (or Doesn't)
KC and Credit Score are totalled, the wisest borrower is crowned, and Theo's big borrowing decision is revealed.
The simulation runs the whole program — every borrowing choice follows students into the next lesson.
LEARNING OUTCOMES
What your student walks away able to do.
Weigh borrow-or-wait
Your student will pause at "buy now, pay later" and ask what it truly costs before they say yes.
See the real cost
They'll understand interest in their gut — that a borrowed thing can cost far more than its price tag.
Tell good debt from bad
They'll know borrowing for something lasting is different from borrowing for something gone by morning.
Manage repayment
Having watched a small debt balloon, they'll grasp why you pay more than the minimum when you can.
Value their credit
They'll understand a credit score is trust you build over time — and worth protecting.
Spot predatory offers
They'll recognise a "too good to be true" deal and know to walk away.
DURATION & SCHEDULE
Designed to flex into a CCA, an enrichment block, or a holiday camp.
📅
8–10
per program
⏱
40–60 min
per session
📆
Flexible
weekly CCA, enrichment or camp
🗓
T1–T3
terms available
Runs as a weekly after-school CCA, an in-school enrichment block, or a condensed holiday camp. The core lessons plus the Finale make the complete experience; longer runs add supplementary lessons. Sessions flex from 40–60 minutes to fit your timetable.
PRICING & BOOKING
Flexible pricing — tailored to how you'll run it.
Cost depends on your format, cohort size and term, so we keep it simple: tell us how you'd like to run it and we'll send a tailored quote. Whether you're a teacher, a CCA coordinator, or booking for a whole school, we'll find the right fit.
🧑🏫
Teachers
Want to run it with your class? Get in touch and we'll size it for your group.
🗂️
A CCA coordinator
Planning your enrichment or CCA line-up? We'll quote across your cohorts and terms.
🏫
A whole school
Rolling it out across year groups or sites? Ask about school and series pricing.
WHAT SCHOOLS ARE SAYING
Real results from real classrooms.
"Watching a student's 'small' borrowed treat balloon over the weeks was the most honest debt lesson I've ever seen land."
CCA Coordinator
International School, Singapore · sample
"They got genuinely competitive about their credit scores. Suddenly 'pay it back on time' was the cool move."
Year 6 Teacher
International School, Malaysia · sample
"My son explained why 'buy now, pay later' isn't free. I wish someone had taught me that at his age."
Parent
International School, Singapore · sample
FREQUENTLY ASKED QUESTIONS
Everything you need to know before booking.
ANNUAL FLAGSHIP EVENT · SINGAPORE
The
Financial Games
Once a year, Kidz Economy partner schools come together for a two-day financial-literacy competition. Students who have completed a Kidz Economy program compete across seven medal events — applying everything they've learned in a format that feels like a championship, not a classroom.
Every event awards individual medals to the top three teams. A running medal tally determines the overall school champion — who takes home the Financial Games Travelling Trophy.
SAT + SUN
WEEKS
3 HRS
PER DAY
7
MEDAL EVENTS
4
STUDENTS PER TEAM
🥇
5 pts
Gold
🥈
3 pts
Silver
🥉
1 pt
Bronze
SGD 100 / student
Partner school entry