The debt trap begins inconspicuously

Few people get into debt with one big decision. Usually it's a series of small ones, each of which seems manageable on its own — deferred payment, overdraft, installment plan.

At school, this can be shown through a model situation where students themselves observe how small amounts turn into a sum that's no longer manageable.

The goal is not to frighten. The goal is for them to recognize the moment when it's time to stop and do the math.