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                        Generated on 9/17/2025 at 4:09 AM
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            <div class="url-note">
                The webpage this document was printed/exported from can be found at the following URL:<br>
                <span class="url"><a target="_blank" href="https://www.cpalms.org/PreviewStandard/Preview/8575">https://www.cpalms.org//PreviewStandard/Preview/8575</a></span>
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            <section class="course-description">
                    <div class="section-title small" style="color: #0080A1; font-size: 14pt; margin-top:60px;">Explain that loans can be unsecured or secured with collateral, that collateral is a piece of property that can be sold by the lender to recover all or part of a loan if the borrower fails to repay.  Explain why secured loans are viewed as having less risk and why lenders charge a lower interest rate than they charge for unsecured loans.</div>
                <div class="course-main-title"> Standard #: SS.912.FL.4.3<span class='archivedsubject-standard' data-toggle='tooltip' title='This standard has been archived and is not a current standard'>Archived Standard</span></div>
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                <div class="section-title" style="color: #0080A1">Standard Information</div>
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                    <div class="section-title italic" style="color: #0080A1; font-size: 16pt">General Information</div>
                        <div class="section-content">
                            Subject Area: Archived Social Studies
                        </div>
                                            <div class="section-content">
                            Grade: 912
                        </div>
                                            <div class="section-content">
                            Body Of Knowledge: Financial Literacy (Discontinued after 2023-2024)
                        </div>
                    


                        <div class="section-content">
                            Standard:  <a href="https://www.cpalms.org//PreviewIdea/Preview/2321">Using Credit</a>
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                                            <div class="section-content">
                            Date Adopted or Revised: 04/15
                        </div>
                                                                                    <div class="section-content">
                            Status: State Board Approved - Archived
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                            <section class="equivalent-courses">
                    <div class="section-title" style="color: #0080A1"> Related Courses </div>
                    <div class="section-content">
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                                    Florida’s Preinternational Baccalaureate Comparative Economics With Financial Literacy <span class='specificversion'> (Specifically in versions: <a href='https://www.cpalms.org/PreviewCourse/Preview/4558?isShowCurrent=false' class='RelatedVersion'>2014 - 2015</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/13338?isShowCurrent=false' class='RelatedVersion'>2015 - 2022</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/21870?isShowCurrent=false' class='RelatedVersion'>2022 - 2024</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/23893?isShowCurrent=false' class='RelatedVersion'>2024 and beyond (current)</a>)</span> #
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                                    Economics with Financial Literacy <span class='specificversion'> (Specifically in versions: <a href='https://www.cpalms.org/PreviewCourse/Preview/4740?isShowCurrent=false' class='RelatedVersion'>2014 - 2015</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/13395?isShowCurrent=false' class='RelatedVersion'>2015 - 2018</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/15819?isShowCurrent=false' class='RelatedVersion'>2018 - 2022</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/21679?isShowCurrent=false' class='RelatedVersion'>2022 - 2024 (course terminated)</a>)</span> #
                                    <a href="https://www.cpalms.org/PreviewCourse/Preview/2031" class="blue"> 2102335 </a>
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                                    Economics with Financial Literacy for Credit Recovery <span class='specificversion'> (Specifically in versions: <a href='https://www.cpalms.org/PreviewCourse/Preview/13396?isShowCurrent=false' class='RelatedVersion'>2015 - 2018</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/15821?isShowCurrent=false' class='RelatedVersion'>2018 - 2022</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/21680?isShowCurrent=false' class='RelatedVersion'>2022 and beyond (current)</a>)</span> #
                                    <a href="https://www.cpalms.org/PreviewCourse/Preview/2036" class="blue"> 2102340 </a>
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                                    Economics with Financial Literacy Honors <span class='specificversion'> (Specifically in versions: <a href='https://www.cpalms.org/PreviewCourse/Preview/4451?isShowCurrent=false' class='RelatedVersion'>2014 - 2015</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/13397?isShowCurrent=false' class='RelatedVersion'>2015 - 2018</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/15820?isShowCurrent=false' class='RelatedVersion'>2018 - 2022</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/21681?isShowCurrent=false' class='RelatedVersion'>2022 - 2024 (course terminated)</a>)</span> #
                                    <a href="https://www.cpalms.org/PreviewCourse/Preview/2040" class="blue"> 2102345 </a>
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                                    Access Economics with Financial Literacy <span class='specificversion'> (Specifically in versions: <a href='https://www.cpalms.org/PreviewCourse/Preview/10377?isShowCurrent=false' class='RelatedVersion'>2014 - 2015</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/13009?isShowCurrent=false' class='RelatedVersion'>2015 - 2018</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/15520?isShowCurrent=false' class='RelatedVersion'>2018 - 2023</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/22600?isShowCurrent=false' class='RelatedVersion'>2023 and beyond (current)</a>)</span> #
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                                    Personal Financial Literacy <span class='specificversion'> (Specifically in versions: <a href='https://www.cpalms.org/PreviewCourse/Preview/14365?isShowCurrent=false' class='RelatedVersion'>2015 - 2018</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/15822?isShowCurrent=false' class='RelatedVersion'>2018 - 2019</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/17006?isShowCurrent=false' class='RelatedVersion'>2019 - 2022</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/21902?isShowCurrent=false' class='RelatedVersion'>2022 and beyond (current)</a>)</span> #
                                    <a href="https://www.cpalms.org/PreviewCourse/Preview/14363" class="blue"> 2102372 </a>
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                                    Personal Financial Literacy Honors <span class='specificversion'> (Specifically in versions: <a href='https://www.cpalms.org/PreviewCourse/Preview/14366?isShowCurrent=false' class='RelatedVersion'>2015 - 2018</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/15823?isShowCurrent=false' class='RelatedVersion'>2018 - 2019</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/17007?isShowCurrent=false' class='RelatedVersion'>2019 - 2022</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/21903?isShowCurrent=false' class='RelatedVersion'>2022 and beyond (current)</a>)</span> #
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                                    Access Personal Financial Literacy <span class='specificversion'> (Specifically in versions: <a href='https://www.cpalms.org/PreviewCourse/Preview/17002?isShowCurrent=false' class='RelatedVersion'>2019 - 2023</a>, <a href=https://www.cpalms.org/PreviewCourse/Preview/22598?isShowCurrent=false' class='RelatedVersion'>2023 and beyond (current)</a>)</span> #
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