Through LifeSmarts, students learn about real-life consumer issues and compete to win prizes and scholarships at the National LifeSmarts Championship in April each year. October is both Financial Planning Month and the month in which LifeSmarts students focus on personal finance. To kick off the month, NCL is proud to announce a new lesson about credit scores and how to establish credit, made possible through support from FICO and the FICO® Score, the credit score used by 90% of top lenders.