Why aren't schools teaching us how to handle debt?

Yeah, this is a big one. I remember getting my first credit card in college - thought it was free money or something. No one ever explained interest rates or minimum payments, and before I knew it, I was in pretty deep. Schools definitely missed the mark by not teaching practical stuff like budgeting, credit scores, or even basic investing. Had to learn the hard way, but at least now I can help others avoid the same mistakes.

Totally agree with you - schools definitely dropped the ball on financial literacy. I learned about compound interest the hard way too, through student loans and then again with my first mortgage. Wish they'd thrown in a few practical lessons on refinancing or negotiating better rates... would have saved me some headaches.

I feel your pain - when I refinanced my mortgage a few years back, I had no clue what I was doing. Ended up spending hours googling terms like APR and points, and even then, it felt like I was winging it. Honestly, some basic lessons on negotiating rates or understanding loan terms would’ve been way more useful than half the stuff we covered in high school math. Glad we eventually figured it out though... better late than never, right?

I feel your pain - when I refinanced my mortgage a few years back, I had no clue what I was doing. Ended up spending hours googling terms like APR and points, and even then, it felt like I was wing...

Refinanced my home last year and had a similar experience - felt completely out of depth with all the jargon. It's surprising how little practical financial education we get, considering how critical these decisions are later on. Glad I'm not alone in this confusion.