Financial Instructional Training (FIT) Academy

FIT Academy is a free, self-paced online education platform that provides 24/7 access to financial literacy courses. Open to the public, FIT Academy is designed to help individuals build financial knowledge anytime, anywhere.
Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.

Financial Instructional Training Courses (FIT)

Understand Your Credit Report

Roadmap to Financial Freedom

Smart Money 101 (formerly Budget 101)

Budget 911
Identity Theft Prevention
Power of Paycheck Planning
Wise Use of Credit
Foreclosure Prevention
Rent4Success
Rent4Recovery
Our free online course will help you understand how your credit score is calculated, what your credit report says about you, and what you can do to ensure that your credit report is accurate and reflects positively on you.
Start Credit Report Course
This course and guide are currently being updated to reflect the latest information and best practices. We’re working on a refreshed version and will restore access as soon as it’s ready. For questions, please contact education@credit.org.
Smart Money 101 teaches you the 7 Building Blocks of Smart Money so you can budget confidently, avoid common financial mistakes, and build a more secure future. Through simple examples and tools, you’ll learn how to make your money work for you, one step at a time.
Start Money 101 Course
If a budget emergency strikes, your best response is to act quickly. This course will teach you to live a more wallet-friendly lifestyle so you can weather any budget crisis. We’ll also help you find ways to save more of your income rather than spending every dime.
Start Budget 911 Course
The identity theft prevention course will teach you how identity theft works so you know what to do to protect yourself. You’ll learn about your rights as a consumer and find out what to do if identity theft happens to you.
Start Identity Theft Course
Personal finance education begins with knowing how to plan. This course applies all of our expertise to help you create a budget. Learn strategies for categorizing your expenses, tracking your spending, and putting together a new budget.
Start Paycheck Planning Course
The Wise Use of Credit course will teach you how credit works and how to use it responsibly to build a strong financial future. You’ll learn the pros and cons of credit, how to avoid common pitfalls like high interest and overspending, and how to improve or maintain your credit score.
Start Wise Use of Credit Course
The Foreclosure Prevention course will help you understand the foreclosure process and how to avoid it. You’ll learn about your rights as a homeowner, available assistance programs, and strategies to manage your mortgage and communicate with lenders.
Start Preventing Foreclosure Course
Rent4Success helps renters build a strong foundation for long-term housing stability. Click the button below to watch the Rent4Success educational video, where you’ll learn about budgeting for rent, understanding lease agreements, communicating with landlords, and planning for future housing goals.

Please note: Watching this video alone does not include a Rent4Success certificate.

To earn your certificate, you must complete a 1-on-1 counseling session and meet all course requirements.To schedule your counseling session and review requirements, visit:Rent4Success Counseling
Start Rent4Success Course
Rent4Recovery is designed for renters facing housing challenges or financial setbacks. Click the button below to watch the Rent4Recovery educational video, where you’ll learn how to manage past-due rent, navigate eviction risks, access support resources, and create a recovery plan to regain stability and stay housed.

Please note: Watching this video alone does not include a Rent4Recovery certificate or counseling session.

To complete the program, you must schedule a 1-on-1 counseling session and meet any applicable requirements.To schedule your counseling session and review program details, visit: Rent4Recovery Counseling
Start Rent4Recovery Course
Young woman wearing glasses sitting at a table, reviewing documents with focus, symbolizing organization and financial planning.Magnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.

Homebuyer Education Courses

Take the online class anytime, anywhere, at your pace. Learn how to:
‍
- Determine if homeownership is right for you
- Shop for a home
- Maintain your home

Certificate of completion presented to client and/or lender upon completion of counseling session with a homeownership advisor (if required).
Start Home Buyer Course

Join Our Homebuyer Workshops

Start your home buying journey by getting the facts first! Our 8-hour HUD-approved Home Buyer Classes will help you navigate and equip you for the home buying process. Graduates will receive a certificate.

Reserve your place in one of our in-person or virtual homebuyer classes below.
View Home Buyer Workshops
Education & C…rent-minMagnifying glass placed over colorful financial reports, symbolizing analysis, review, and attention to detail.

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