Some eleventh graders at South Division High School are learning the ABCs of finances. Student Enrique Hernandez said he is in the course to learn “why is it important to have a good credit rating, so I can get more opportunities." And opportunities are one goal of Make a Difference, a non-profit financial literacy program. Kids get lessons in a host of areas, such as budgeting, saving and building credit. The Make a Difference program .targets eleventh graders and has more than 200 volunteers from 75 companies. “i think knowledge is power, and what we’re trying to do is inform them on financial literacy and make better consumer decisions when they leave school and go to the workforce and college," said Portia Brazil of Bank Mutual. “We're teaching them how to have a checking account, how to take care of it, how to build credit, how to take care of the credit," said Janet Rivera of Bank Mutual. Make a Difference is the brainchild of local entrepreneur Lloyd Levin. “The object is to learn how to manage money,” Levin said. “The rules of the financial literacy game (are) never explained to kids." Levin said he hopes that eventually he will reach all eleventh graders through his program.