Borrowing and Returning/Repaying

Component: Borrowing Money & Using Credit | Grade Level: Grade 4-6

Learning Targets:

Targets for knowledge, skills, and behaviours below are possible targets. It is not expected that all will be covered by a single Teaching Unit. Teachers can select their learning targets using the Teaching Units provided (to the right), adaptations of these Teaching Units, or Units/Lesson Plans they develop on their own.


  • Why people borrow money
  • What it means to borrow money
  • Ways in which money can be borrowed
  • Why there are costs to borrow money
  • Where you can borrow money


  • Borrow something and return it within a given time


  • Accept responsibility for returning something borrowed and return it

Teaching Unit:

Borrowing and Returning/Repaying

Borrowing money has become common today – and many people get into financial difficulty by taking on too much debt. By starting early to learn about borrowing – the advantages, the potential problems, and the responsibilities – will be important for students.

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