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Free online credit and money courses for beginners

Gain confidence as you set and meet your financial goals with CreditSmart® Essentials.

You’ll learn this and more:

  • How to understand, build, and improve credit
  • The basics of creating a budget and managing your money
  • How to start building wealth and savings for big and small purchases

You’ll learn this and more:

  • How to understand, build, and improve credit
  • The basics of creating a budget and managing your money
  • How to start building wealth and savings for big and small purchases
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Set Your Goals

Renting, buying or saving? CreditSmart will map out a path to help you get started.

A calendar

Learn On Your Time

Short lessons allow you to pause at any time and pick up right where you left off.

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Real-World Practice

Build your knowledge with guided case studies and interactive budgeting tools, calculators and worksheets.

Talking about financial topics with friends and family can lead to a healthier lifestyle. Any CreditSmart topic is a great way to start the conversation! It’s a practice I’ve shared with my family and our youth, preparing them for the real world, avoiding scams and understanding loan products.”
David Ramírez
Soldier On
Understanding what it takes to build good credit, achieve home ownership, and build wealth is now within reach. The courses are helping change the financial trajectory for families and whole communities."
Mark A. Reyes, MBA
Urban League of Broward County

About CreditSmart

CreditSmart is a suite of online educational resources designed to help people build and grow financial confidence during any stage of their financial journey.

Freddie Mac developed CreditSmart to further its mission of providing greater access to housing. It was created in collaboration with historically black colleges and universities, housing professionals and Hispanic and Asian nonprofit organizations.

Woman sitting in front of couch while using laptop with a dog resting on her shoulder

CreditSmart is a suite of online educational resources designed to help people build and grow financial confidence during any stage of their financial journey.

Freddie Mac developed CreditSmart to further its mission of providing greater access to housing. It was created in collaboration with historically black colleges and universities, housing professionals and Hispanic and Asian nonprofit organizations.