The teacher's guide is for a high school unit on accepting credit responsibility, part of family financial education program which also includes a unit on managing personal income. The components of the unit, correlated with a planned instructional program in any area of economics, can be used to reinforce certain relationships and concepts which prepare students for their future roles as buyers, savers, and borrowers. The unit id divided into six experiences which deal with the following topics: factors influencing buying, meaning of credit, cost of credit, building and maintaining a good credit rating, preventing money problems, and consumer protection. An introduction explains the purpose and organization of the unit, and lists specific informational learnings and attitudinal aspects. Background material for the teacher and students, concepts to be developed, questions for motivation, a statement of points to be emphasized, a vocabulary list of consumer and credit terms, suggested activities (for individual student, committees, or the class), and problems (including answers) are presented for each of the six experiences. The problems are also contained in the "Student Problem Book" designed to accompany the teacher's guide. (Author/MS)