Your personalized AP Exam survival kit which we will ship directly to you includes:
1 laminated version of our famous exam review
1 Breath Mints to aid in AP exam group study session
3 Big-as-your-face Cookies!
1 printed copy of student GoPo Pro!
1 Review game!
1 Kleenex brand tissue (not a pack, just a tissue!)
2 or 3 pictures of 2 or 3 cute animals
1 “You are going to get a 5 on the AP exam" sticker
1 no. 2 pencil (medium)
What does every citizen want for Christmas?
Build A Politician!
Let's start with a name for this adorable Senator!
And guess what? I've created a Senator Name Generator for you to use with your students. Here's how it works. Just enter the following Information and you've got the name of your very own lovable Senator.
It's really not hard. Give it a try!
First Name: ________________
(Any State Capital)
Last Name: ______________
(Type of Fabric)
Senator Lincoln Corduroy (R) Nebraska. It's that easy!
Meet Your New Senator
Senator Lansing Tweed (D) Michigan*
Let's give your Senator some political beliefs
Now give your senator a coherent well articulated political ideology with which to serve all of the people in their state and across this great nation. Nah, just kidding.
Ideology smideology! Here's the thing, the best way to get elected is to have already been elected: incumbents get reelected about 90% of the time!!! And if you're not an incumbent? Make sure you have more money than your opponent: The candidate who outspends their opponent wins over 90% of the time! What if you aren't an incumbent and don't have a lot of money but do have a coherent and well articulated political ideology? Get a job, kid!
Oh, and do make sure your politician has passed a criminal background check, or if not, make sure they are running for US Senate in Alabama.
And here's some more data to help you Build A Politician!
*2% of Americans said that if a presidential candidate had an affair they would be MORE likely to vote for them!!!!
Pro Tip: Make sure your politician isn't an atheist (or at least pretends not to be)!
In fact, looking at these traits, if you were to build a politician, what would you want them to be (or at least act) like? Based on this data, list 5 traits you would encourage and 5 you would discourage in a politician:
Build a Politician Chart
Use this chart to create your own politician.
Payday lending is big business in America. How much do you think the government should regulate payday lending?
Before we learn more about Payday Lending, make a prediction! Are there more McDonald's Restaurants or Payday Lending Stores in the US?* (you'll find the answer below*)
Read the NY Times article Payday Lending Faces Tough New Restrictions by Consumer Agency. Every time you learn something new snap your fingers. Every time you learn something that makes you mad stomp your foot. Pro tip: don't stomp too loudly if you are upstairs from anyone. As you read the article answer the questions on the Payday Lending Reading Guide.
We've shared three editorials and two political cartoons offering a range of opinions on payday lending. Evaluate any one editorial and one cartoon and be prepared to explain what you agreed with and disagreed with about both.
Freakonomics - Are Payday Loans Really as Evil as People Say?
American Banker - Why Payday Loans are Good for Millions of People
Your amazing teacher will put you in a team that will complete this Payday Lending Teamwork-sheet.*
This EXTREMELY WONDERFUL video about the CFPB was not made by the DIRECTOR OF STAR WARS and is not rated NC-17! Please take note of who made this video, their point of view and bias.
Point of View
Complete the following (PLPoVP) Payday Lending Point of View Page then share your answers in class and try not to break into song!
Here’s a typical payday lending scenario:
Currently, a cash-strapped customer might borrow $400 from a payday lender to purchase, for example, a car repair or, medicine, or a sofa. The loan would be due two weeks later — plus $60 in interest and fees. That is the equivalent of an annual interest rate of more than 300 percent, far higher than what banks and credit cards charge for loans. Because most borrowers cannot repay their debts quickly, the loans are often rolled over, entangling those who take them in hard-to-escape spirals of ever-growing debt. In a typical scenario, before long, the person who borrowed $400 might spend years paying back that money, having repaid the original $400 many times over, but still falling behind on the repayment of interest.
Actual Payday Loan Scenario
Find the story (in the media) of a payday lender who was caught in a cycle of repayment in a local news report, or even better, find an actual person who has taken out a payday loan and ask them to share their story with you. Answer the following questions about their story:
- How much did they borrow?
- Under what circumstances did they borrow the money from a payday lender?
- Why didn’t they get a loan with a lower interest rate?
- What did they do with the money?
- What was the interest rate on the loan?
- In total, how much did they pay back?
- How long did it take to pay back the loan in full?
- Based on their experience, would they take out a payday loan in the future?
Write up the story and share it in class or online.
Hey, y'all! This would be a great time for a fishbowl about Payday Lending!
Write Makes Might
Now let’s synthesize all we've learned by writing!
Let’s start by writing. And here’s a pro-tip, not everyone actually agrees with you. Your job is to convince other people of the validity of your argument. Start by convincing yourself and then scale up. Here’s the question you’ll be arguing about.
How should the U.S. regulate payday lending?
Write it out and turn it in to your teacher. *Bonus - send it in as a letter to the editor or to your Congressperson.
Do any one of the following:
1-Payday loan rules were announced by the Consumer Financial Protection Bureau, and are likely to sharply curtail the use of payday loans. Check out the rules right here on the CFPB website, or if you are feeling happy, you can check them out at the home of all government rules- the Federal Register.
2-Rewrite any of the three rules just made by the CFPB so that (just about) any high school student could understand them.
3-Contact the head of the CFPB telling them what you think they should do regarding payday loans.
4-Go on the Federal Register and make a comment about the new payday lending rules.
5-Go to a payday loan shop in person or online and ask for information about making a loan: rates, time to repay loan, etc…. Do Not take out a loan. Share this information with class.
Your Opinion again
Now that you’ve learned about and acted on this issue, share your opinion - retake our payday lending survey.
How did your opinion change?
In what way did your opinion not change?
What do you know now that you didn’t know before.
In the comment section below, share your final opinion on payday lending:
All the lessons you'll need for student success with AP GoPo Policy! This unit contains lessons, handouts, review games, and all the ingredients for success in teaching high school students the key concepts of the US Policy making process. Plus - BONUS FEATURE - with purchase - All Access to interactive bureaucracy materials on the web. Check out this free preview of our Policy Unit!