Understanding consumer creditand using it wisely is essential for... Show more
Sign up to see the contentIt's free!
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
Subjects
Careers
Parallel & Perpendicular Lines
Intro
Volume, Surface Area & Density
Distance & cordinate plance
Right Triangles & Trigonometry
Dilations
Congruent Triangles
Rotations & Reflections
2D & 3D Solids
Circles
Overview
Congruence
Similar & Congruent Triangles
Pythagorean Theorem
Tranformations & translations
Show all topics
3
0
sophia.olmsted
10/30/2023
Fun Stuff
Ch. 6
62
•
Oct 30, 2023
•
sophia.olmsted
@sophia.olmsted_eyur
Understanding consumer creditand using it wisely is essential for... Show more
Consumer credit represents a fundamental aspect of modern financial life, enabling individuals to make purchases and access services before payment. What is consumer credit fundamentally involves arrangements where consumers receive goods or services now while agreeing to pay later. This system has evolved significantly since colonial times, when farmers relied heavily on credit for agricultural operations.
Types of consumer credit fall into two main categories: closed-end credit and open-end credit. Closed-end credit involves fixed-term loans with specified repayment schedules, while open-end credit provides ongoing borrowing capability up to a preset limit. Consumer credit examples include credit cards, store charge accounts, personal loans, and automobile financing.
Definition: Consumer credit refers to any form of credit extended to individuals for personal use, excluding home mortgages. This encompasses both secured and unsecured lending arrangements.
The economic significance of consumer credit cannot be overstated. Baby boomers, while representing 20% of the population, account for 60% of outstanding debt, demonstrating how deeply credit is woven into American financial behavior. Generation X views credit as an essential financial tool, highlighting its continued importance across demographic groups.
What are the advantages of using credit cards? includes immediate access to goods and services, emergency financial support, and enhanced purchase protection. Credit cards offer convenience for online shopping, hotel reservations, and car rentals. Additionally, many cards provide valuable benefits like extended warranties, travel insurance, and cash-back rewards.
Highlight: Smart credit usage can build financial stability, provide emergency funding access, and offer valuable consumer protections.
However, what are the disadvantages of consumer credit? presents serious considerations. The primary risks include:
How can you be a smart credit user? involves understanding your credit capacity and maintaining a strong credit rating. This requires careful consideration before making credit-based purchases, including evaluating necessity, timing, and alternative payment options.
Example: Before making a major credit purchase, consider:
Five steps to avoid and correct credit mistakes include:
Understanding consumer credit protection laws provides essential safeguards for borrowers. These regulations ensure fair lending practices and provide recourse for addressing credit-related disputes.
Definition: Consumer credit protection laws encompass various federal regulations including the Fair Credit Reporting Act, Truth in Lending Act, and Fair Credit Billing Act.
Credit card problems and solutions often involve:
The law requires creditors to:
This regulatory framework helps maintain balance in the credit marketplace while protecting consumer interests.
Types of credit come in various forms, with stored-value cards and travel cards representing important modern payment methods. Stored-value cards function as prepaid instruments that utilize magnetic stripe technology for fund management. These cards serve multiple purposes, from gift-giving alternatives to business expense management. However, it's crucial to understand that retailer bankruptcy can render these cards worthless, highlighting the importance of choosing reliable issuers.
Travel and entertainment cards operate differently from traditional credit cards. These specialized cards, such as Diners Club or Carte Blanche, require full monthly balance payment and offer premium services. The annual fee provides valuable benefits including passport replacement assistance, airline ticket purchasing services, global doctor locator services, and airport lounge access. Additionally, these cards typically include identity theft protection and car rental discounts.
The evolution of consumer credit now encompasses mobile commerce through smartphones and home equity loans. Home equity loans allow borrowers to access up to 85% of their home's appraised value minus existing mortgage obligations. These loans offer tax-deductible interest and function as revolving credit lines, providing flexibility for homeowners.
Definition: Home equity loans are financial products that allow homeowners to borrow against their property's value, calculated as the current market value minus outstanding mortgage balance.
Understanding how to protect yourself against debit and credit card mistakes to avoid is essential in today's digital age. Fundamental protection measures include immediately signing new cards, securing cards properly, and carefully managing account information. Never share card numbers through unsecured channels and always retain transaction receipts for verification against billing statements.
Internet transactions require additional security measures to prevent credit card problems and solutions. Using secure browsers, maintaining transaction records, and regularly reviewing statements are crucial practices. It's vital to understand website policies regarding refunds and security, while keeping personal information private and conducting business only with trusted entities.
Highlight: Never download files or click on links from unknown sources, as these are common vectors for credit card fraud.
Understanding your credit capacity is crucial for smart credit use. Before taking on loans, evaluate your ability to afford payments and consider necessary lifestyle adjustments. The debt payments-to-income ratio should not exceed 20% of net income , while the debt-to-equity ratio should remain below 1 for optimal financial health.
Co-signing loans carries significant responsibilities and risks. Co-signers must understand they're guaranteeing the debt and may become responsible for full payment plus additional fees if the primary borrower defaults. This obligation can impact the co-signer's credit rating and ability to obtain future credit.
Example: If your monthly net income is 600 to maintain healthy credit capacity.
Understanding credit scores and credit bureaus is essential for maintaining financial health. The three major credit bureaus - TransUnion, Equifax, and Experian - collect and maintain consumer credit information. The Fair Credit Reporting Act regulates credit report usage and provides consumer protections regarding data accuracy and access.
Creditors evaluate loan applications using the 5 C's: Character, Capacity, Capital, Collateral, and Conditions. FICO scores, ranging from 350-850, help lenders assess borrower risk. Higher scores typically result in better interest rates and loan terms. If denied credit, consumers have the right to receive specific reasons and can obtain free credit reports within 60 days.
Vocabulary: FICO Score - A numerical representation of creditworthiness, calculated using various factors including payment history, credit utilization, and credit length.
What is consumer credit management requires understanding how to maintain and improve your credit score while knowing your rights as a consumer. A strong credit score opens doors to better financial opportunities and lower interest rates, making it crucial to follow proven improvement strategies.
The path to better credit begins with obtaining and reviewing your credit reports regularly. Under federal law, you're entitled to free annual reports from all three major credit bureaus. When reviewing these reports, scrutinize every detail for accuracy since errors can significantly impact your credit score. Look for incorrect account information, unauthorized accounts, or outdated negative items that should have been removed.
Definition: The Fair Credit Billing Act is federal legislation that protects consumers by establishing procedures for correcting billing errors and handling disputes related to credit card charges.
Understanding your rights under the Fair Credit Billing Act provides essential protection when dealing with credit issues. If you spot billing errors, you have 60 days to notify creditors in writing. Your notification must include a detailed explanation of the error and your account information. Creditors must acknowledge your dispute within 30 days and resolve it within 90 days. Importantly, your credit rating remains unaffected while the dispute is under investigation.
The law also provides protection for purchases made with credit cards. If you receive defective goods or unsatisfactory services, you can withhold payment after making a good-faith effort to resolve the issue with the merchant. This protection represents one of the significant advantages and disadvantages of consumer credit in economics - while credit cards offer purchase protection, they require vigilant monitoring and prompt action to maintain good standing.
Understanding types of credit and their definitions with examples helps avoid common pitfalls in credit management. Whether dealing with revolving credit like credit cards or installment loans, each type requires specific management strategies to maintain good standing.
To avoid credit card mistakes, implement a systematic approach to credit management. This includes setting up automatic payments to ensure timely bill payment, maintaining low credit utilization ratios, and regularly monitoring your credit reports for unauthorized activity. These practices help answer the question of how can you be a smart credit user while building a positive credit history.
Highlight: The five fundamental steps to maintain good credit are:
When considering what are the pros and cons of consumer credit, remember that responsible credit use builds a positive financial reputation, while mistakes can have long-lasting consequences. Credit card problems and solutions often center around payment timing, credit utilization, and dispute resolution. Understanding these aspects helps maximize the benefits while minimizing the risks associated with consumer credit.
Our AI companion is specifically built for the needs of students. Based on the millions of content pieces we have on the platform we can provide truly meaningful and relevant answers to students. But its not only about answers, the companion is even more about guiding students through their daily learning challenges, with personalised study plans, quizzes or content pieces in the chat and 100% personalisation based on the students skills and developments.
You can download the app in the Google Play Store and in the Apple App Store.
You have the choice, we offer a 100% secure payment via PayPal or an Amazon gift card. There is no limit to how much you can earn.
App Store
Google Play
The app is very easy to use and well designed. I have found everything I was looking for so far and have been able to learn a lot from the presentations! I will definitely use the app for a class assignment! And of course it also helps a lot as an inspiration.
Stefan S
iOS user
This app is really great. There are so many study notes and help [...]. My problem subject is French, for example, and the app has so many options for help. Thanks to this app, I have improved my French. I would recommend it to anyone.
Samantha Klich
Android user
Wow, I am really amazed. I just tried the app because I've seen it advertised many times and was absolutely stunned. This app is THE HELP you want for school and above all, it offers so many things, such as workouts and fact sheets, which have been VERY helpful to me personally.
Anna
iOS user
I think it’s very much worth it and you’ll end up using it a lot once you get the hang of it and even after looking at others notes you can still ask your Artificial intelligence buddy the question and ask to simplify it if you still don’t get it!!! In the end I think it’s worth it 😊👍 ⚠️Also DID I MENTION ITS FREEE YOU DON’T HAVE TO PAY FOR ANYTHING AND STILL GET YOUR GRADES IN PERFECTLY❗️❗️⚠️
Thomas R
iOS user
Knowunity is the BEST app I’ve used in a minute. This is not an ai review or anything this is genuinely coming from a 7th grade student (I know 2011 im young) but dude this app is a 10/10 i have maintained a 3.8 gpa and have plenty of time for gaming. I love it and my mom is just happy I got good grades
Brad T
Android user
Not only did it help me find the answer but it also showed me alternative ways to solve it. I was horrible in math and science but now I have an a in both subjects. Thanks for the help🤍🤍
David K
iOS user
The app's just great! All I have to do is enter the topic in the search bar and I get the response real fast. I don't have to watch 10 YouTube videos to understand something, so I'm saving my time. Highly recommended!
Sudenaz Ocak
Android user
In school I was really bad at maths but thanks to the app, I am doing better now. I am so grateful that you made the app.
Greenlight Bonnie
Android user
I found this app a couple years ago and it has only gotten better since then. I really love it because it can help with written questions and photo questions. Also, it can find study guides that other people have made as well as flashcard sets and practice tests. The free version is also amazing for students who might not be able to afford it. Would 100% recommend
Aubrey
iOS user
Best app if you're in Highschool or Junior high. I have been using this app for 2 school years and it's the best, it's good if you don't have anyone to help you with school work.😋🩷🎀
Marco B
iOS user
THE QUIZES AND FLASHCARDS ARE SO USEFUL AND I LOVE THE SCHOOLGPT. IT ALSO IS LITREALLY LIKE CHATGPT BUT SMARTER!! HELPED ME WITH MY MASCARA PROBLEMS TOO!! AS WELL AS MY REAL SUBJECTS ! DUHHH 😍😁😲🤑💗✨🎀😮
Elisha
iOS user
This app is phenomenal down to the correct info and the various topics you can study! I greatly recommend it for people who struggle with procrastination and those who need homework help. It has been perfectly accurate for world 1 history as far as I’ve seen! Geometry too!
Paul T
iOS user
The app is very easy to use and well designed. I have found everything I was looking for so far and have been able to learn a lot from the presentations! I will definitely use the app for a class assignment! And of course it also helps a lot as an inspiration.
Stefan S
iOS user
This app is really great. There are so many study notes and help [...]. My problem subject is French, for example, and the app has so many options for help. Thanks to this app, I have improved my French. I would recommend it to anyone.
Samantha Klich
Android user
Wow, I am really amazed. I just tried the app because I've seen it advertised many times and was absolutely stunned. This app is THE HELP you want for school and above all, it offers so many things, such as workouts and fact sheets, which have been VERY helpful to me personally.
Anna
iOS user
I think it’s very much worth it and you’ll end up using it a lot once you get the hang of it and even after looking at others notes you can still ask your Artificial intelligence buddy the question and ask to simplify it if you still don’t get it!!! In the end I think it’s worth it 😊👍 ⚠️Also DID I MENTION ITS FREEE YOU DON’T HAVE TO PAY FOR ANYTHING AND STILL GET YOUR GRADES IN PERFECTLY❗️❗️⚠️
Thomas R
iOS user
Knowunity is the BEST app I’ve used in a minute. This is not an ai review or anything this is genuinely coming from a 7th grade student (I know 2011 im young) but dude this app is a 10/10 i have maintained a 3.8 gpa and have plenty of time for gaming. I love it and my mom is just happy I got good grades
Brad T
Android user
Not only did it help me find the answer but it also showed me alternative ways to solve it. I was horrible in math and science but now I have an a in both subjects. Thanks for the help🤍🤍
David K
iOS user
The app's just great! All I have to do is enter the topic in the search bar and I get the response real fast. I don't have to watch 10 YouTube videos to understand something, so I'm saving my time. Highly recommended!
Sudenaz Ocak
Android user
In school I was really bad at maths but thanks to the app, I am doing better now. I am so grateful that you made the app.
Greenlight Bonnie
Android user
I found this app a couple years ago and it has only gotten better since then. I really love it because it can help with written questions and photo questions. Also, it can find study guides that other people have made as well as flashcard sets and practice tests. The free version is also amazing for students who might not be able to afford it. Would 100% recommend
Aubrey
iOS user
Best app if you're in Highschool or Junior high. I have been using this app for 2 school years and it's the best, it's good if you don't have anyone to help you with school work.😋🩷🎀
Marco B
iOS user
THE QUIZES AND FLASHCARDS ARE SO USEFUL AND I LOVE THE SCHOOLGPT. IT ALSO IS LITREALLY LIKE CHATGPT BUT SMARTER!! HELPED ME WITH MY MASCARA PROBLEMS TOO!! AS WELL AS MY REAL SUBJECTS ! DUHHH 😍😁😲🤑💗✨🎀😮
Elisha
iOS user
This app is phenomenal down to the correct info and the various topics you can study! I greatly recommend it for people who struggle with procrastination and those who need homework help. It has been perfectly accurate for world 1 history as far as I’ve seen! Geometry too!
Paul T
iOS user
sophia.olmsted
@sophia.olmsted_eyur
Understanding consumer credit and using it wisely is essential for financial wellbeing in today's economy.
Consumer credit encompasses various forms of borrowing that allow individuals to purchase goods and services while paying for them over time. The most common types... Show more
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
Consumer credit represents a fundamental aspect of modern financial life, enabling individuals to make purchases and access services before payment. What is consumer credit fundamentally involves arrangements where consumers receive goods or services now while agreeing to pay later. This system has evolved significantly since colonial times, when farmers relied heavily on credit for agricultural operations.
Types of consumer credit fall into two main categories: closed-end credit and open-end credit. Closed-end credit involves fixed-term loans with specified repayment schedules, while open-end credit provides ongoing borrowing capability up to a preset limit. Consumer credit examples include credit cards, store charge accounts, personal loans, and automobile financing.
Definition: Consumer credit refers to any form of credit extended to individuals for personal use, excluding home mortgages. This encompasses both secured and unsecured lending arrangements.
The economic significance of consumer credit cannot be overstated. Baby boomers, while representing 20% of the population, account for 60% of outstanding debt, demonstrating how deeply credit is woven into American financial behavior. Generation X views credit as an essential financial tool, highlighting its continued importance across demographic groups.
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
What are the advantages of using credit cards? includes immediate access to goods and services, emergency financial support, and enhanced purchase protection. Credit cards offer convenience for online shopping, hotel reservations, and car rentals. Additionally, many cards provide valuable benefits like extended warranties, travel insurance, and cash-back rewards.
Highlight: Smart credit usage can build financial stability, provide emergency funding access, and offer valuable consumer protections.
However, what are the disadvantages of consumer credit? presents serious considerations. The primary risks include:
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
How can you be a smart credit user? involves understanding your credit capacity and maintaining a strong credit rating. This requires careful consideration before making credit-based purchases, including evaluating necessity, timing, and alternative payment options.
Example: Before making a major credit purchase, consider:
Five steps to avoid and correct credit mistakes include:
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
Understanding consumer credit protection laws provides essential safeguards for borrowers. These regulations ensure fair lending practices and provide recourse for addressing credit-related disputes.
Definition: Consumer credit protection laws encompass various federal regulations including the Fair Credit Reporting Act, Truth in Lending Act, and Fair Credit Billing Act.
Credit card problems and solutions often involve:
The law requires creditors to:
This regulatory framework helps maintain balance in the credit marketplace while protecting consumer interests.
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
Types of credit come in various forms, with stored-value cards and travel cards representing important modern payment methods. Stored-value cards function as prepaid instruments that utilize magnetic stripe technology for fund management. These cards serve multiple purposes, from gift-giving alternatives to business expense management. However, it's crucial to understand that retailer bankruptcy can render these cards worthless, highlighting the importance of choosing reliable issuers.
Travel and entertainment cards operate differently from traditional credit cards. These specialized cards, such as Diners Club or Carte Blanche, require full monthly balance payment and offer premium services. The annual fee provides valuable benefits including passport replacement assistance, airline ticket purchasing services, global doctor locator services, and airport lounge access. Additionally, these cards typically include identity theft protection and car rental discounts.
The evolution of consumer credit now encompasses mobile commerce through smartphones and home equity loans. Home equity loans allow borrowers to access up to 85% of their home's appraised value minus existing mortgage obligations. These loans offer tax-deductible interest and function as revolving credit lines, providing flexibility for homeowners.
Definition: Home equity loans are financial products that allow homeowners to borrow against their property's value, calculated as the current market value minus outstanding mortgage balance.
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
Understanding how to protect yourself against debit and credit card mistakes to avoid is essential in today's digital age. Fundamental protection measures include immediately signing new cards, securing cards properly, and carefully managing account information. Never share card numbers through unsecured channels and always retain transaction receipts for verification against billing statements.
Internet transactions require additional security measures to prevent credit card problems and solutions. Using secure browsers, maintaining transaction records, and regularly reviewing statements are crucial practices. It's vital to understand website policies regarding refunds and security, while keeping personal information private and conducting business only with trusted entities.
Highlight: Never download files or click on links from unknown sources, as these are common vectors for credit card fraud.
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
Understanding your credit capacity is crucial for smart credit use. Before taking on loans, evaluate your ability to afford payments and consider necessary lifestyle adjustments. The debt payments-to-income ratio should not exceed 20% of net income , while the debt-to-equity ratio should remain below 1 for optimal financial health.
Co-signing loans carries significant responsibilities and risks. Co-signers must understand they're guaranteeing the debt and may become responsible for full payment plus additional fees if the primary borrower defaults. This obligation can impact the co-signer's credit rating and ability to obtain future credit.
Example: If your monthly net income is 600 to maintain healthy credit capacity.
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
Understanding credit scores and credit bureaus is essential for maintaining financial health. The three major credit bureaus - TransUnion, Equifax, and Experian - collect and maintain consumer credit information. The Fair Credit Reporting Act regulates credit report usage and provides consumer protections regarding data accuracy and access.
Creditors evaluate loan applications using the 5 C's: Character, Capacity, Capital, Collateral, and Conditions. FICO scores, ranging from 350-850, help lenders assess borrower risk. Higher scores typically result in better interest rates and loan terms. If denied credit, consumers have the right to receive specific reasons and can obtain free credit reports within 60 days.
Vocabulary: FICO Score - A numerical representation of creditworthiness, calculated using various factors including payment history, credit utilization, and credit length.
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
What is consumer credit management requires understanding how to maintain and improve your credit score while knowing your rights as a consumer. A strong credit score opens doors to better financial opportunities and lower interest rates, making it crucial to follow proven improvement strategies.
The path to better credit begins with obtaining and reviewing your credit reports regularly. Under federal law, you're entitled to free annual reports from all three major credit bureaus. When reviewing these reports, scrutinize every detail for accuracy since errors can significantly impact your credit score. Look for incorrect account information, unauthorized accounts, or outdated negative items that should have been removed.
Definition: The Fair Credit Billing Act is federal legislation that protects consumers by establishing procedures for correcting billing errors and handling disputes related to credit card charges.
Understanding your rights under the Fair Credit Billing Act provides essential protection when dealing with credit issues. If you spot billing errors, you have 60 days to notify creditors in writing. Your notification must include a detailed explanation of the error and your account information. Creditors must acknowledge your dispute within 30 days and resolve it within 90 days. Importantly, your credit rating remains unaffected while the dispute is under investigation.
The law also provides protection for purchases made with credit cards. If you receive defective goods or unsatisfactory services, you can withhold payment after making a good-faith effort to resolve the issue with the merchant. This protection represents one of the significant advantages and disadvantages of consumer credit in economics - while credit cards offer purchase protection, they require vigilant monitoring and prompt action to maintain good standing.
Access to all documents
Improve your grades
Join milions of students
By signing up you accept Terms of Service and Privacy Policy
Understanding types of credit and their definitions with examples helps avoid common pitfalls in credit management. Whether dealing with revolving credit like credit cards or installment loans, each type requires specific management strategies to maintain good standing.
To avoid credit card mistakes, implement a systematic approach to credit management. This includes setting up automatic payments to ensure timely bill payment, maintaining low credit utilization ratios, and regularly monitoring your credit reports for unauthorized activity. These practices help answer the question of how can you be a smart credit user while building a positive credit history.
Highlight: The five fundamental steps to maintain good credit are:
When considering what are the pros and cons of consumer credit, remember that responsible credit use builds a positive financial reputation, while mistakes can have long-lasting consequences. Credit card problems and solutions often center around payment timing, credit utilization, and dispute resolution. Understanding these aspects helps maximize the benefits while minimizing the risks associated with consumer credit.
Our AI companion is specifically built for the needs of students. Based on the millions of content pieces we have on the platform we can provide truly meaningful and relevant answers to students. But its not only about answers, the companion is even more about guiding students through their daily learning challenges, with personalised study plans, quizzes or content pieces in the chat and 100% personalisation based on the students skills and developments.
You can download the app in the Google Play Store and in the Apple App Store.
You have the choice, we offer a 100% secure payment via PayPal or an Amazon gift card. There is no limit to how much you can earn.
App Store
Google Play
The app is very easy to use and well designed. I have found everything I was looking for so far and have been able to learn a lot from the presentations! I will definitely use the app for a class assignment! And of course it also helps a lot as an inspiration.
Stefan S
iOS user
This app is really great. There are so many study notes and help [...]. My problem subject is French, for example, and the app has so many options for help. Thanks to this app, I have improved my French. I would recommend it to anyone.
Samantha Klich
Android user
Wow, I am really amazed. I just tried the app because I've seen it advertised many times and was absolutely stunned. This app is THE HELP you want for school and above all, it offers so many things, such as workouts and fact sheets, which have been VERY helpful to me personally.
Anna
iOS user
I think it’s very much worth it and you’ll end up using it a lot once you get the hang of it and even after looking at others notes you can still ask your Artificial intelligence buddy the question and ask to simplify it if you still don’t get it!!! In the end I think it’s worth it 😊👍 ⚠️Also DID I MENTION ITS FREEE YOU DON’T HAVE TO PAY FOR ANYTHING AND STILL GET YOUR GRADES IN PERFECTLY❗️❗️⚠️
Thomas R
iOS user
Knowunity is the BEST app I’ve used in a minute. This is not an ai review or anything this is genuinely coming from a 7th grade student (I know 2011 im young) but dude this app is a 10/10 i have maintained a 3.8 gpa and have plenty of time for gaming. I love it and my mom is just happy I got good grades
Brad T
Android user
Not only did it help me find the answer but it also showed me alternative ways to solve it. I was horrible in math and science but now I have an a in both subjects. Thanks for the help🤍🤍
David K
iOS user
The app's just great! All I have to do is enter the topic in the search bar and I get the response real fast. I don't have to watch 10 YouTube videos to understand something, so I'm saving my time. Highly recommended!
Sudenaz Ocak
Android user
In school I was really bad at maths but thanks to the app, I am doing better now. I am so grateful that you made the app.
Greenlight Bonnie
Android user
I found this app a couple years ago and it has only gotten better since then. I really love it because it can help with written questions and photo questions. Also, it can find study guides that other people have made as well as flashcard sets and practice tests. The free version is also amazing for students who might not be able to afford it. Would 100% recommend
Aubrey
iOS user
Best app if you're in Highschool or Junior high. I have been using this app for 2 school years and it's the best, it's good if you don't have anyone to help you with school work.😋🩷🎀
Marco B
iOS user
THE QUIZES AND FLASHCARDS ARE SO USEFUL AND I LOVE THE SCHOOLGPT. IT ALSO IS LITREALLY LIKE CHATGPT BUT SMARTER!! HELPED ME WITH MY MASCARA PROBLEMS TOO!! AS WELL AS MY REAL SUBJECTS ! DUHHH 😍😁😲🤑💗✨🎀😮
Elisha
iOS user
This app is phenomenal down to the correct info and the various topics you can study! I greatly recommend it for people who struggle with procrastination and those who need homework help. It has been perfectly accurate for world 1 history as far as I’ve seen! Geometry too!
Paul T
iOS user
The app is very easy to use and well designed. I have found everything I was looking for so far and have been able to learn a lot from the presentations! I will definitely use the app for a class assignment! And of course it also helps a lot as an inspiration.
Stefan S
iOS user
This app is really great. There are so many study notes and help [...]. My problem subject is French, for example, and the app has so many options for help. Thanks to this app, I have improved my French. I would recommend it to anyone.
Samantha Klich
Android user
Wow, I am really amazed. I just tried the app because I've seen it advertised many times and was absolutely stunned. This app is THE HELP you want for school and above all, it offers so many things, such as workouts and fact sheets, which have been VERY helpful to me personally.
Anna
iOS user
I think it’s very much worth it and you’ll end up using it a lot once you get the hang of it and even after looking at others notes you can still ask your Artificial intelligence buddy the question and ask to simplify it if you still don’t get it!!! In the end I think it’s worth it 😊👍 ⚠️Also DID I MENTION ITS FREEE YOU DON’T HAVE TO PAY FOR ANYTHING AND STILL GET YOUR GRADES IN PERFECTLY❗️❗️⚠️
Thomas R
iOS user
Knowunity is the BEST app I’ve used in a minute. This is not an ai review or anything this is genuinely coming from a 7th grade student (I know 2011 im young) but dude this app is a 10/10 i have maintained a 3.8 gpa and have plenty of time for gaming. I love it and my mom is just happy I got good grades
Brad T
Android user
Not only did it help me find the answer but it also showed me alternative ways to solve it. I was horrible in math and science but now I have an a in both subjects. Thanks for the help🤍🤍
David K
iOS user
The app's just great! All I have to do is enter the topic in the search bar and I get the response real fast. I don't have to watch 10 YouTube videos to understand something, so I'm saving my time. Highly recommended!
Sudenaz Ocak
Android user
In school I was really bad at maths but thanks to the app, I am doing better now. I am so grateful that you made the app.
Greenlight Bonnie
Android user
I found this app a couple years ago and it has only gotten better since then. I really love it because it can help with written questions and photo questions. Also, it can find study guides that other people have made as well as flashcard sets and practice tests. The free version is also amazing for students who might not be able to afford it. Would 100% recommend
Aubrey
iOS user
Best app if you're in Highschool or Junior high. I have been using this app for 2 school years and it's the best, it's good if you don't have anyone to help you with school work.😋🩷🎀
Marco B
iOS user
THE QUIZES AND FLASHCARDS ARE SO USEFUL AND I LOVE THE SCHOOLGPT. IT ALSO IS LITREALLY LIKE CHATGPT BUT SMARTER!! HELPED ME WITH MY MASCARA PROBLEMS TOO!! AS WELL AS MY REAL SUBJECTS ! DUHHH 😍😁😲🤑💗✨🎀😮
Elisha
iOS user
This app is phenomenal down to the correct info and the various topics you can study! I greatly recommend it for people who struggle with procrastination and those who need homework help. It has been perfectly accurate for world 1 history as far as I’ve seen! Geometry too!
Paul T
iOS user