Free · Printable · TEKS 3.9D · Personal Financial Literacy
TEKS 3.9D Worksheets — Grade 3 Explain that credit is used when wants
3+ Texas-aligned practice questions on this exact Grade 3 standard. Print at home or practice online with a built-in AI tutor. No sign-up, no paywall.
What TEKS 3.9D says: Explain that credit is used when wants or needs exceed the ability to pay and that it is the borrower's responsibility to pay it back to the lender, usually with interest.
This page has 3+ practice questions tagged specifically to TEKS 3.9D. Below: a sample of 3 with answers and explanations so you can preview the worksheet before printing. Every question goes through an AI quality gate (gpt-4o for content review, Claude Sonnet 4.5 for math verification) before publishing.
Cognitive demand: medium. Typical question shape: Scenario about borrowing; identify what credit is or what 'interest' means.
Which of the following is a NEED, not a want?
- Video game
- Toy
- Healthy food ✓
- Candy
Why: A need is something required to live (food, water, shelter). Toys, games, and candy are wants — nice to have but not necessary.
Diego earned 25 dollars from chores in Texas this week. He spent 18 dollars on a baseball cap. How much money does he have left?
- 9
- 7 ✓
- 8
- 6
Why: 25 − 18 = 7 dollars.
Sofia saves 5 dollars a week from her allowance for 8 weeks. How much money has she saved?
- 40 ✓
- 42
- 39
- 41
Why: 5 × 8 = 40 dollars.
Common questions about TEKS 3.9D
What is TEKS 3.9D?
TEKS 3.9D is a Grade 3 Personal Financial Literacy standard from the Texas Essential Knowledge and Skills. The standard says: Explain that credit is used when wants or needs exceed the ability to pay and that it is the borrower's responsibility to pay it back to the lender, usually with interest.
How many TEKS 3.9D practice questions are available?
3+ practice questions tagged to TEKS 3.9D. All free to print or practice online. We pull a fresh set each time you print a worksheet so your kid doesn't see the same questions twice.
What kind of questions test TEKS 3.9D on the STAAR?
Scenario about borrowing; identify what credit is or what 'interest' means. TEKS 3.9D is a medium-cognitive-demand standard — 1-2 step questions are typical.
Where do these questions come from?
Generated by our AI pipeline, then independently quality-gated by two cross-vendor models (gpt-4o for content review, Claude Sonnet 4.5 for math verification) before publishing. Every question is tagged to TEKS 3.9D and modeled on real STAAR item shapes. No typos, no wrong answer keys, no broken explanations.