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Role-playing borrowing and lending


Students take on the role of a borrower or a lender to pose questions, apply formulas to calculate interest, and evaluate data to inform borrowing and lending decisions.

Big idea

Borrowers with a strong credit history often qualify for lower interest rates.

Essential questions

  • What are some questions to ask a lender to better understand the risks and benefits of borrowing money?
  • How does your credit history affect the interest rate you’re offered on loans?


  • Understand the key information both borrowers and lenders need to know to make informed loan decisions
  • Analyze loan offers and determine the best one for a borrower

What students will do

  • Assume the role of a borrower or lender in a simulation activity about the loan process.
  • Calculate interest paid by the borrower or earned by the lender.
  • Reflect on the experiences of the borrower or lender.

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Teacher guide


Student materials




Note: Please remember to consider your students’ accommodations and special needs to ensure that all students are able to participate in a meaningful way.