At key stage 4: discuss ethical issues in economics or citizenship or RE or social studies. What human rights do we have - to luxury goods, foreign holidays etc, if the real price is ongoing debt? How moral are the sales ploys that promote borrowing? How far does language affect our view - "debt" is bad; "borrowing" is necessary; "credit" is easy. What are real case studies of debt like? A Citizens Advice Bureau speaker could help with this. Or, again, as a stimulus for creative writing - what sort of world are we in danger of becoming? What sort do we want?
If our intended learning outcomes when teaching about borrowing and debt reflect an attempt to protect young people - along the lines that debt may be universal but it can also be very dangerous - then some attempt to integrate this material into KS2-3 will have to be made. Perhaps with creative writing. By KS4, children may already have "credit".
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