credit card analysis

Unsatisfactory

Emerging

Proficient

Exemplary

Assignment Components

Calculations

Student correctly computes the minimum monthly payment for the scenario.

Student correctly computes the amount of interest and principal being paid down with minimum payments based upon the scenario.

(CO2, CO3)

Calculation of the minimum payment is not accurate and computation of the interest and principal in that payment are incorrect.

Calculation of the minimum payment is accurate, but computation of the interest and principal in that payment are both inaccurate.

Calculation of the minimum payment is accurate, but computation of either the interest or the principal in that payment is incorrect.

Calculation of the minimum payment is accurate; computation of the interest and principal in that payment is correct.

Analysis

Student effectively analyzes the terms, conditions, and charges for a credit card or another form of consumer debt.

Student outlines a thoughtful and detailed plan to pay down a credit card or another form of consumer debt based upon a specific time frame.

(CO1, , CO4)

Analysis of terms, conditions, and charges for a credit card or another form of consumer debt is inaccurate and unclear. Analysis does not address how these terms, conditions, and charges affect current and future balance of debt.

Plan to pay down debt is not clear, reasonable, or achievable and fails to consider any of the above conditions, terms, or charges in its calculations.

Analysis of terms, conditions, and charges for a credit card or another form of consumer debt is somewhat accurate. Analysis does not address how these terms, conditions, and charges affect current and future balance of debt.

Plan to pay down debt is not clear, reasonable, or achievable and fails to consider the most important of the above conditions, terms, or charges in its calculations.

Analysis of terms, conditions, and charges for a credit card or another form of consumer debt is accurate and clear. Analysis may explain how these terms, conditions, and charges affect current and future balance of debt, but may have to be inferred by the reader.

Plan to pay down debt is clear, reasonable, and achievable. It indirectly considers any of the above conditions, terms, or charges in its calculations.

Analysis of terms, conditions, and charges for a credit card or another form of consumer debt is accurate and clear. Analysis directly explains how these terms, conditions, and charges affect current and future balance of debt.

Plan to pay down debt is clear, reasonable, and achievable. It addresses any of the above conditions, terms, or charges in its calculations.

Implications

Student provides insightful commentary regarding handling and/or avoiding the pitfalls of credit card debt or another form of consumer debt.

(CO4)

Proposal does not identify the common pitfalls of debt and does not provide a proposal on how to handle or avoid the pitfalls of debt.

Proposal identifies some of the common pitfalls of debt. Proposal lacks reasonable and accurate details on how to handle or avoid the pitfalls of debt.

Proposal accurately identifies the common pitfalls of debt. Proposal on how to handle or avoid the pitfalls of debt does not include specific examples that are reasonable or accurate.

Proposal clearly and accurately identifies the common pitfalls of debt. Proposal on how to handle or avoid the pitfalls of debt clearly provides specific examples that are reasonable and accurate.

Writing Components

Organization

Introduction

Thesis

Transitions

Conclusion

Introduction is limited or missing entirely.

The paper lacks a thesis statement.

Transitions are infrequent, illogical, or missing entirely.

Conclusion is limited or missing entirely.

Introduction is present but incomplete or underdeveloped.

The paper is loosely organized around a thesis that may have to be inferred.

Transitions are sporadic.

Conclusion is present, but incomplete or underdeveloped.

Introduction has a clear opening, provides background information, and states the topic.

The paper is organized around an arguable, clearly stated thesis statement.

Transitions are appropriate and help the flow of ideas.

Conclusion summarizes main argument and has a clear ending.

Introduction catches the reader’s attention, provides compelling and appropriate background info, and clearly states the topic.

The paper is well organized around an arguable, focused thesis.

Thoughtful transitions clearly show how ideas relate.

Conclusion leaves the reader with a sense of closure and provides concluding insights.

Usage and Mechanics

Grammar

Spelling

Sentence structure

Writing contains numerous errors in spelling, grammar, and/or sentence structure that severely interferes with readability and comprehension.

Errors in spelling and grammar exist that somewhat interfere with readability and/or comprehension.

Writing follows conventions of spelling and grammar throughout. Errors are infrequent and do not interfere with readability or comprehension.

The paper is basically error free in terms of mechanics. Grammar and mechanics help establish a clear idea and aid the reader in following the writer’s logic.

APA Elements

Attribution

Paraphrasing

Quotations

No attempt at APA format.

APA format is attempted to paraphrase, quote, and cite, but errors are significant.

Using APA format, accurately paraphrased, quoted, and cited in many spots throughout when appropriate or called for. Errors present are somewhat minor.

Using APA format, accurately paraphrased, quoted, and cited throughout when appropriate or called for. Only a few minor errors present.

Style

Audience

Word Choice

Writing often slips into first and/or second person.

Word choice is consistently inaccurate, unclear, or inappropriate for the audience.

Writing sometimes slips into first and/or second person.

Word choice is sometimes inaccurate, unclear, or inappropriate for the audience.

Writing remains in third person throughout writing.

Word choice is accurate, clear and appropriate for the audience.

Writing remains professional in third person throughout writing.

Word choice is precise, appropriate for the audience, and memorable.