This lesson introduces the role and importance of the 3 C's - capacity, character, and collateral - to being granted credit. An online story about a girl who fails to return soccer shin guards borrowed from a friend is used to spark discussion on responsible borrowing. In a second activity, students are introduced to the 3 C's used by lenders to determine creditworthiness. Given everyday scenarios where they might be asked to make a loan, students must make a decision whether to grant credit based on what they know about the creditworthiness of the potential lender. The culminating activity asks students to identify ways they can establish and maintain their personal creditworthiness - principles that will be important throughout their lives.