Students who begin grade 9 in the 2024-2025 school year and later must successfully complete a course for credit in personal finance in grade 10, 11, or 12. 6.05 Study Questions: Credit and Loans.6.02 Managing Credit. This resource is designed to help you start thinking about how to pay for college and how to make financial aid work for you. The Application Process: 1. Apply for and have your eligibility determined for other sources of financial aid, including federal and state grants.