On Tuesday, September 22, 2015 Arlington Public Library hosted What is Credit and Debt?, a financial education program presented by the YWCA of Tarrant County at the Woodland West branch.

Financial coach Marina Garcia explored the often confusing world of credit and debt with program participants. Specifically, the group discussed what credit and revolving credit are; what the three credit bureaus are and what a credit score really means.

Ms. Garcia says this topic is her favorite to teach because the information is so useful, "Credit affects every part of your life just not the financial aspect; it can affect your access to services, housing options, education, and employment opportunities."

Although this program was geared for adults, a young boy attending with his grandmother found much to appreciate for himself. The grandson was approximately ten years old and was very interested in what Marina was teaching. He answered the presenter's questions and was engaged with the group.

Marina Garcia also talked about debt to income ratio, a topic which required attendees to calculate fractions. The ten year old in the group helped his grandmother do the calculations and learned how important a credit score can be. Financial education is an essential topic for everyone, and it is rewarding to know that the program participants, both young and old, gained information that many learn too late or never learn at all.