CentSense is a short tutorial, fitting neatly into one double class period which meets several criteria recommended under the TY guidelines of the Department of Education and Science. For LCA and LCVP students, it can form a module under "Preparing for adult and working life" which will be empathetic with the needs of those programmes.

CentSense is not designed to sell or advocate any products or services. Rather, it has been designed to impart information about how students will come into contact with various financial products in the coming years as they start their independent lives and so, the programme is designed to help them make informed decisions.

That is the main goal of CentSense; to prepare and equip students to make informed decisions when it comes to money and credit.

CentSense promises:

  • Concise and meaningful money and debt education
  • No product placement
  • No advertising
  • Completely independent

CentSense uses fun but common-sense examples which imitate situations students are likely to encounter as they become more financially independent. It is an interactive tutorial lasting about an hour with plenty of opportunity for students to ask questions, challenge ideas presented and learn more.

Topics presented and discussed by CentSense include:

Credit - A part of our daily lives, starting from when we first become in debt as students, but how many understand the different types of credit available or which ones to source? Is it enough to merely open a bank account on campus or accept a credit card when we’re offered one?

Interest –What is interest? The programme will cover some important and interesting facts about how interest works (both for savings and loans) and hopes to change the way students understanding of interest.

Wealth –You might think you understand what it is to be wealthy? But is this really the case and when will you know? Centsense challenges some basis misconceptions about wealth and will help students understand how wealth is truly calculated.

Benefits and costs of Debt – The programme highlights the benefits of “Good” debt as well as the significant pitfalls when planning takes a back seat (Bad debt).

Issues affecting us today – the programme will cover a number of important topics, including the recession and the effect is has on students and their families.


A great overview and perfect for students.
Helen, Transition Year Co-Ordinator, Dublin.