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  • On-Campus

    • On-Campus Programs »

      • Programs
      • An illustration of a white target with an arrow at the center, alongside a dollar symbol. It represents financial goals or business success.Essentials of Finance
      • A briefcase with jet streams underneath, symbolizing career growth or taking business to new heights.Essentials of Entrepreneurship
      • Icon of a group of people next to a globe, representing global community or international collaboration.Leadership in the Business World
      • An outline of a computer monitor with a gear symbol, representing computer settings or system configuration, on a purple background.Management & Technology Summer Institute
      •  
      • A white outline of a baseball with stitching is shown, alongside a line graph icon, on a blue background. It represents baseball analytics.Moneyball Academy
      • An illustration of a classical building with columns, likely representing an institution, next to an icon with bar charts and a gear, symbolizing data analytics or business operations.Data Science Academy
      • A light bulb on top of a gear partially inside an open box, symbolizing innovation and ideas emerging from a mechanical or structured process.Product Design Academy
      • Related Information
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      • The Residential Experience
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  • Online

    • Online Programs »

      • Programs
      • A stylized globe with continents, featuring a bar chart and upward arrow, symbolizing global growth or economic progress.Future of the Business World
      • A white globe with continents next to three abstract people icons on a blue background, symbolizing global community or teamwork.Essentials of Leadership
      • Illustration of a football combined with a data graph on a turquoise background with a dotted pattern, representing sports analytics.Sports Business Academy
      • A light bulb with a dollar sign inside and three arrows pointing outwards, symbolizing ideas or innovations leading to financial growth.Financial Decision Making
      •  
      • A stylized illustration of an arrow hitting the center of a target with a dollar symbol nearby, representing financial goals or success.Understanding Your Money
      • Illustration of a football with an analytics graph on a blue dotted background, representing sports analytics.Moneyball: Training Camp
      • A stylized icon of a computer screen displaying code, representing software development or programming.Moneyball FLEX
      • Related Information
      • Application Information
      • Costs & Aid
      • The Online Experience
      • Online Programs FAQs
      • Wharton Global Youth Meetup (GYM)
      • Highlight Your Wharton Experience
  • Location-based

    • Location-based Programs »

      • Programs
      • An illustration of a globe with circular arrows, a gear, and a dollar sign, symbolizing global financial exchange and process automation.Cambridge, UK: Public Finance and Society
      • Icon of a globe, person, and briefcase in white line art on a purple background, representing global business or international professional opportunities.Cambridge, UK: Strategy and International Management
      • A circuit board design with the letters "AI" in the center, symbolizing artificial intelligence on a blue background.San Francisco, CA: AI Leadership
      • A simple white line drawing of a light bulb on a teal textured background, symbolizing an idea or innovation.San Francisco, CA: Innovation and Startup Culture
      • Outline of various sports balls, including a soccer ball, basketball, football, baseball, and tennis ball, against a blue background.San Francisco, CA: Moneyball Experience
      • An open book icon with a flag, featuring a crest, on a maroon background with a dotted pattern.The Wharton One-Day High School Experience
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      • Related Information
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      • Highlight Your Wharton Experience
  • Pre-baccalaureate

    • Pre-baccalaureate Program »

    • Courses by SessionAn icon of a laptop with a graduation cap on top, representing online education or e-learning.
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    • Admissions & TuitionIcon of an ID badge with a person symbol and the word "ENROLL" beneath, representing registration or enrollment.
    • Program FAQsSpeech bubbles with "FAQ" text, symbolizing frequently asked questions or a help section.
    • Admitted Student ResourcesAn icon depicting a person surrounded by symbols representing time, data (graph on a screen), a document, and a user profile, indicating productivity or multitasking.
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  • Global Competitions

    • Global Competitions »

      • Investment Competition
        • Rules & RolesThree silhouette figures next to a stack of checklists with checkmarks and crosses.
        • TradingIcon of a government building with a bar graph and upward arrow, representing economic growth or financial policy.
        • Case StudyIcon of a magnifying glass over a document, representing document search or analysis.
        • Requirements & DeliverablesIcon depicting a checklist. A document is connected by lines to three circles with checkmarks, symbolizing tasks or items being completed.
        • Learning ResourcesAn icon of a light bulb with a heart inside it, representing a creative or innovative idea related to learning.
        • FAQ(s)Icon of a speech bubble containing the letters FAQ, representing frequently asked questions.
        • Register NowIcon of a person with a pencil, representing user editing or account settings.
        • ArchiveIcon of a stack of papers in a tray, representing organization or document management.
      • Data Science Competition
        • The Wharton High School Data Science Competition is a free, experiential sports analytics competition from the Wharton Sports Analytics and Business Initiative, supported by the Wharton Global Youth Program. It delivers valuable data, analytics and team-building experience.

          Learn More

          Visit Archive

      • Comment & Win Competition
        • The Wharton Global Youth Program Comment & Win is an annual contest that runs from June to August and is designed to encourage high school-age students to discover Global Youth stories, podcasts and videos, and to develop stronger reflective and persuasive writing skills. Four biweekly rounds of competition include a new theme introduced each round.

          Learn More

          Visit Archive

  • News & Articles

    • News & Articles »

      • Business Journal Articles
        • Dark chocolate bars with cocoa leaf designs on top, stacked on brown paper with chocolate shavings scattered around.Chocolate Hope: A Mission to Develop Sustainable Agriculture in ColombiaJune 27, 2025
        • A person typing on a colorful backlit keyboard, surrounded by multiple monitors displaying code or data. This represents a programmer or hacker at work.How Will You Use Technology to Shape Our Future?June 20, 2025
        • An auditorium with a red carpet aisle leading to a stage. Several people are gathered on the stage under bright stage lights, while others sit in the audience seats.A Theater Kid Champions the Arts Where They Are Needed MostJune 3, 2025
        • A small group of young adults is seated in what appears to be a lecture hall. One individual is smiling broadly and giving a thumbs-up, suggesting a positive and engaged atmosphere.Future Business Leaders: Are You Ready to Embrace Your Fresh-Start Moment?May 30, 2025
        • View All Articles
      • Global Youth News
        • Learning Day HeroLearning Day Is All Light and TastyKakes for this Year’s Investment CompetitorsMay 5, 2025
        • A group of six people standing in a line, dressed in formal and business-casual attire. Two individuals hold awards. Blue Wharton Global Youth Program banners are in the background.BAM Investing from Deerfield Academy, Massachusetts, Wins the 2025 Wharton Global High School Investment CompetitionMay 1, 2025
        • woman sitting cross-legged on a couch with a dark pen in her hand working on her laptopWharton Global Youth: Learning Online Never Looked So GoodApril 8, 2025
        • Collage of four images: headshot of a person smiling, individual working on a laptop with stickers, person holding a laptop outdoors, and a diverse group collaborating with "OPEQ" text overlay.6 Ways You Will Become a Better Leader with Wharton Global Youth This SummerMarch 31, 2025
        • View All News
      • Glossary
        • The Wharton Global Youth Program has created a comprehensive video glossary of hundreds of business-related terms. Puzzled by the concept of "operating income" or need some help with your "competitive advantage?" Click on the linked word in the text in any article!
          • 401K 401K Glossary Item
          • Accounts Receivable Accounts Receivable Glossary Item
          • Acquisition Acquisition Glossary Item

        • Full Glossary »

      • Future of the Business World Podcast
        • Listen to inspiring youth voices! Each month Wharton Global Youth interviews a high school student innovator from around the world, discussing strategies and concepts that touch on every area of business and finance and explore the world economy. Each podcast episode runs around 20 minutes, ends with a fun lightning round, and is accompanied by a written transcript and conversation starters.
      • Commenting Policy
        • The Wharton Global Youth Program online community encourages open dialogue from our followers, readers and learners, through commenting on our Global Youth website articles and podcast transcripts and on our various social media platforms, including LinkedIn, Facebook, Instagram, Twitter and YouTube.

          While we value all opinions and viewpoints, we also reserve the right to monitor, censor and unpublish posted comments throughout the Global Youth online community if they do not align with the purpose of our platform as a safe, educational space for pre-college learners, or they violate our code of ethics and conduct.

          Learn More

      • AI Policy
        • The Wharton Global Youth Program embraces generative artificial intelligence (AI) technology and sees it as an important tool for students. However, we recognize that the material generated by these tools may produce inaccurate, incomplete, or otherwise problematic content.

          High school students applying to and participating in Wharton Global Youth programs, courses and competitions are strongly encouraged to review the Wharton Global Youth Program Statement of AI Use, application integrity statement and accompanying AI policies before submitting any written essays and/or assignments.

          Learn More

  • For Educators

    • For Educators »

      • Teaching With Our Content
        • Here are some ways we encourage educators to use our content to inform students about the latest business and finance trends, and to spark curiosity, conversation and innovative thinking.

          Learn How

      • Explore Business
        • Our Explore Business mini-sites are gateways to conversations, readings and activities that inspire high school students to think more deeply about issues affecting business and society. Dig into these Wharton-powered learning opportunities wherever and whenever you want to explore timely and compelling topics.
        • Environmental, Social & GovernanceWooden blocks with the letters E, S, and G, representing Environmental, Social, and Governance, on a grass background.
        • The Business of RaceA person smiling while using a laptop with a sticker that reads "I eat data for breakfast" in a classroom setting.
        • AnalyticsBusiness Analytics Icon
        • Brand IdentityA row of various shades of blue denim jeans hanging vertically.
      • Essential Educator Blog
        • The Essential Educator is a monthly blog written for high school educators by high school educators. It shares best practices for supporting and engaging students through business education.

          Read Our Blog

      • Educator Toolkit
        • The Educator's Toolkit is a collection of articles, lesson plans, video glossary terms, hands-on learning exercises and other resources to provide ideas and materials to use with your students, while at the same time helping you discover the various ways the Wharotn Global Youth Program is creating relevant content for your classroom.
        • The Future of WorkAn engineer wearing a yellow hard hat operates a tablet while overseeing robotic arms welding metal, representing automation in manufacturing.
        • Sustainability and RecommerceA person drawing green outlines of houses, trees, wind turbines, and clouds, symbolizing sustainable energy and environmental conservation.
        • Technology and PrivacyA group of teenagers sitting together outdoors, using digital tablets and smartphones. They appear engaged and cheerful, representing social interaction and technology use.
        • View All Toolkit Articles
      • Lesson Plans

        • Browse the lesson plans, organized by National Business Education Association standard subject areas.

          • Accounting
          • Career Development
          • Communication
          • Computation
          • Economics
          • Entrepreneurship
          • Information Technology
          • International Business
          • Management
          • Marketing
          • Personal Finance
  • About

Credit Risk

Your browser does not support the video tag.

Credit risk is the potential that a borrower will fail to repay a debt. Before offering a loan, a bank evaluates the credit risk of the borrower to ensure there is a high likelihood of repayment.

Related Articles:
  • Essentials of Personal Finance Students Visit Wharton’s Philadelphia Campus
November 2, 2018

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