Credit, interest and minimum payments
The habits a student builds with a first card follow them for years. We work through APR, utilization and payoff math with real numbers.
Maryland · Online tutoring
Online finance tutoring for families in Potomac and North Potomac.
Montgomery County schools teach financial literacy inside social studies rather than as its own required course, so how much a Potomac student learns about credit, taxes and investing depends on the electives they pick. I fill the gaps one-on-one on Zoom, from a first credit card to AP Business to college corporate finance.
Private 1-on-1 on Zoom · $250 / hour
Book a session
The courses
What we work on.
Bring your slides, problem sets, and your last midterm. We work from your actual course.
Financial Mathematics
Savings, investing, loans and budgeting in one semester. If the formulas aren't sticking, we slow down on the setups until they do.
AP® Business with Personal Finance
College Board's newest AP course, with the first exam in May 2027. I tutor the subject whether or not your student's school offers the course yet.
Corporate finance over break
Valuation, capital budgeting and cost of capital, at the level the student's course expects. Break is the time to fix it before the next exam.
Local schools
Schools in and around Potomac.
What a student studies in finance depends on the school and the state. Checked October 29, 2026.
- Winston Churchill High School Potomac
- Thomas S. Wootton High School Rockville, nearby
- The Bullis School Potomac
Taught inside social studies, not its own credit
Maryland lets each county decide. MCPS's graduation requirements for the class of 2029 have no separate finance credit, and the district offers a semester Financial Mathematics elective. Independent and Catholic schools set their own courses. A 2026 state bill for a statewide course from the class of 2030 had not passed when this page was checked.
A few of the high schools families in the area attend, named for context only. Online Finance Tutor isn't affiliated with any of them. Your assigned MCPS school depends on your address.
A credit card at the minimum
Take a $5,000 balance at 22.9% APR. The first month adds $95.42 of interest, so a $200 payment only cuts the balance by $104.58. At $200 every month the card is paid off in 35 months with $1,859.78 of interest. That's the kind of problem that turns credit from a lecture into something a student actually remembers.
Potomac · Maryland
Where students get stuck.
Minimum payments
Paying the minimum feels responsible. The math says otherwise, and students usually only believe it once they've run the numbers themselves.
Percent of what?
APR, APY, utilization, returns. Every one is a percent of something different, and mixing them up is the most common mistake on finance tests.
Investing without the hype
Students see stock tips everywhere. We cover diversification, fees and compounding so they can tell a plan from a gamble.
For parents
Parents usually book. Your student joins on Zoom from home, so there's nothing to drive to. Send me the course, the school and what's giving your student trouble, and I'll tell you honestly whether I can help.
How a session works
Diagnosis first. Then the fix.
- 01
Before we meet
Send me what you're stuck on: a problem set, slides, your last midterm, a practice exam, last week's quiz.
- 02
On Zoom
You walk me through a problem out loud. It usually takes a few minutes to hear where the reasoning goes sideways. We fix that piece and rebuild from there, so you know why each step works.
- 03
Before we finish
The real test: a fresh problem with new numbers and different wording, the way a midterm would ask it, and you solve it yourself. I don't complete assignments or hand over answers. You leave able to do the work.
Your tutor
Studied it. Worked in it. Now I teach it.
I’m Chi Odogwu. I have a B.S. in Business with a finance specialization from Liberty University, earned summa cum laude in three years, and a Master’s in International Economics and Finance from Brandeis. I tutored IB students in grad school, did valuation and private equity consulting at PwC, taught MBA finance at Florida State, and spent three years as an adjunct professor teaching Business Finance.
Questions
Before you book.
Do you tutor in person in Potomac?
No. Every session is on Zoom, which means no travel and easy scheduling around activities. We're on the same Eastern time zone.
My student is at an independent school. Does that change anything?
Only the starting point. Independent schools write their own economics and finance courses, so we work from your student's syllabus and assignments.
Does my student's school offer AP Business with Personal Finance?
Ask the school. The course is brand new for 2026 to 2027 and each school decides whether to offer it. I tutor the subject either way, including students studying for the exam on their own.
Will tutoring get in the way of my student's teacher?
No. I work from the teacher's materials and never complete graded work, so sessions support the class instead of replacing it.
Is tutoring allowed under my school's honor code?
Tutoring on concepts and practice problems is generally fine, but policies on graded work vary by course. I don't complete graded assignments. Check your syllabus's collaboration policy, and if you're unsure, ask your professor.
Get started
Bring the problem you’re stuck on.
Tell me your course and what isn’t clicking. I’ll tell you honestly whether I can help.
Book your first sessionOnline Finance Tutor is independent. It isn't affiliated with or endorsed by any school named on this page. AP is a trademark registered by the College Board, which is not affiliated with, and does not endorse, this site.