A no-prep, print-and-go Year 11 money workbook with a complete answer key. Students compare loans by total cost and APR, learn how a credit record is built, explore consumer rights, weigh renting against buying, and budget for independent living. The workbook includes a knowledge organiser, three differentiated tiers with nine questions each, a Greater-Depth challenge, a “Two Loans, One Choice” task. Mapped to statutory Citizenship KS4 (credit and debt, financial products and services) and GCSE Maths (financial problems); supports the PSHE Association Programme of Study. All figures are example offers.