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Borrowing $100 can mean paying back more than $100. This simple example explains what interest is, why lenders charge it and how the cost of borrowing can increase over time.

Understanding interest is one of the most important money basics to learn before taking on debt, using a credit card or borrowing money.

Watch the complete lesson How Debt Works: Interest Explained for Beginners on Beginner’s Personal Finance.

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Beginner's Personal Finance
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Would you think differently about borrowing $100 if you knew exactly how much you'd have to repay?

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