jpsmoney
I just found this interesting site TheKidBank.org, and wrote up an brief blog entry about Kid Bank (http://www.mymoneyblog.com/archives/2005/06/kid_bank_is_you_1.html). If you have a "Money Smart Kid" with some drive and a business idea, why not have them submit a business plan and go for it? The repayment plan seems flexible, so he/she would even be able to have positive cashflow! :)