This module, one of six on teaching consumer matters to low-income groups, focuses on the appropriate uses of credit. It provides basic information about credit, particularly as it applies to low-income people, and offers some techniques which help the instructor present the information to these clients. Topics include a definition of credit, why credit should be used (appropriate and inappropriate uses, advantages and disadvantages), establishing credit, types of credit plans, costs of credit, sources of credit, and problems with credit. The module also lists free-loan materials available from the Office of Consumer Affairs and phone numbers for sources of related information and assistance. (CT)