A widespread lack of financial literacy has been at least partially blamed for the recent recession.Many Americans weren’t really aware of what they were getting themselves into when they signed subprime mortgages for their houses, analysts have said, only to later find themselves unable to keep up with the payments.“The financial crisis we’re hopefully emerging from was in part from people honestly not knowing what they were getting in to,” said John McCosh, a spokesman for CredAbility, a nonprofit credit counseling agency.April is Financial Literacy Month, and organizations like CredAbility are trying to raise awareness of education opportunities to improve American’s financial planning.“What we’re trying to do is draw the attention of responsible budgeting, a spending plan and setting aside money for the future,” McCosh said.CredAbility is a national organization with headquarters in Atlanta. Education courses with the organization are held regularly in Gainesville. The organization offers courses on a wide-range of financial topics including household budgeting, avoiding debt and finding a mortgage.