18.1 Drag and Drop – Loan Calculation Challenge

Loan Basics – Explain how a loan lets you borrow money now and repay later with 兴趣, and recognize common loan types (installment loans, credit cards, student loans).
Cost Drivers – Understand how the 利率和 贷款期限 determine monthly payments and the total amount repaid, and see why higher rates or longer terms make borrowing more expensive.
Risk-Based Pricing – Learn how your 信用评分 and collateral affect the 4月 lenders offer, and why unsecured credit (e.g., credit cards) carries higher rates.
Smart Borrowing – Use loan calculators to compare options, assess whether you can afford payments, and decide when borrowing is truly necessary (e.g., emergencies, education).

Higher Rate = Higher Cost – Even a small increase in 4月 can add hundreds (or thousands) to total interest.
Longer Term = More Interest – Stretching payments lowers the monthly bill but raises overall cost, so pay off loans as quickly as you comfortably can.
Pay in Full When Possible – For 信用卡, paying the full balance within the grace period keeps interest at $0; paying only the minimum traps you in debt.
Borrow Wisely – Run the numbers with online calculators, compare rates, and ask, “Do I really need this loan, and can I handle the payments?”—your future budget depends on it.

要发表评论，您必须先登录。