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    "items": [
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            "text": "3. Credit and Debit Management",
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            "text": "Good credit isn't just about borrowing—it affects your ability to rent, buy a home, and get better interest rates. Managing your debt and credit wisely can open doors to more financial opportunities."
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            "text": "Tips for Building and Maintaining Credit:"
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                    "text": "Always pay bills on time. Your payment history is the biggest factor in your credit score.",
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                    "text": "Pay more than the minimum. Minimum payments keep your account current, but paying off the full balance helps avoid interest and lowers your debt faster.",
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                    "text": "Keep credit utilization low. Try to use less than 30% of your total credit limit.",
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                    "text": "Check your credit regularly for errors or signs of identity theft.",
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            "text": "4. Improving Your Credit Score",
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            "text": "If your credit score needs work, don't worry - it can be improved over time with consistent effort and smart strategies."
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            "text": "Steps to boost your credit score:"
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            "children": [
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                    "id": "p2.8.1",
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                    "text": "Pay down credit card balances, starting with those closes to the credit limit.",
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                    "text": "Keep old credit account open unless there is a compelling reason to close them - they help your credit history length.",
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                    "text": "Only apply for new credit when necessary.\nToo many inquiries in a short period of time can lower your credit score."
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                    "text": "If you are new to credit, consider a secured credit card or being added as an authorized user on a trusted family member's card.",
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            "text": "5. Additional Tips and Resources",
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            "text": "Whether you’re just starting your financial journey or looking to strengthen your financial habits, a few extra tools and tips can go a long way. These additional resources can help you stay informed and on track."
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        {
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            "text": "General Financial Wellness Tips:",
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                    "id": "p2.13.1",
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                    "text": "Set calendar reminders to review your budget monthly. Adjust based on changes in income or expenses.",
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                },
                {
                    "id": "p2.13.2",
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                    "text": "Use cash or prepaid cards for discretionary spending to avoid overspending on credit.",
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                    "text": "Avoid payday loans and high-interest borrowing—these can lead to cycles of debt.\nSeek out community-based lending programs or credit unions for safer options.",
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            "text": "Recommended Free Resources:",
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                    "text": "Consumer Financial Protection Bureau (CFPB) – Offers tools, guides, and calculators for budgeting, paying down debt, and managing credit:\nwww.consumerfinance.gov",
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                    "text": "Smart About Money – A free resource from the National Endowment for Financial Education, offering self-paced financial courses: www.smartaboutmoney.org",
                    "marker": "-",
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                    "text": "Kentucky 211 (by United Way) – Dial 2-1-1 or visit www.211.org to access local assistance programs for housing, utilities, financial counseling, and more.",
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            "text": "Contact Me:",
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                    "text": "Jessica Marquez"
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                    "text": "State Specialist for Urban Community"
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                    "text": "Resource Development"
                },
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                    "text": "Jessica.Marquez@kysu.edu"
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            "text": "This institution is an equal opportunity provider.",
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