One area of education often left to parents is that of financial responsibility. There may be the odd university course that offers come help in this regard, but individuals have often formed there spending habits based on those learned from their parents. Despite the importance of the topic, this bit of education can be sorely lacking for many. How many individuals actually know their credit score or how it affects their purchasing power?

Republic Bank has started offering payday loans. At first, this may seem a little contradictory. A financial institution built on the notion of responsibility offering a service typically associated with pawn shops. However, that is part of the problem. Rather than associating themselves with an institution that can help them, not only with their financial difficulties at the moment, is it not more prudent for individuals to seek help from an established and responsible organization that help them get on a better track to financial responsibility?