Another important aspect of personal finance is managing debt. While some types of debt, such as mortgages or student loans, can be a worthwhile investment in the long run, high-interest debt, such as credit card debt, can be detrimental to one's financial health. It's important to develop a debt repayment plan and work towards paying off high-interest debt as soon as possible. Personal finance The role of the teacher is changing in the 21st century. Teachers must not only impart knowledge and skills, but also act as facilitators of learning, mentors, and guides. They must be adept at using technology, creating a positive learning environment, and fostering a love of learning in their students.