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Before borrowing money, ask one simple question: What will this borrowing cost me in total?

The amount you receive is only part of the decision. Interest rates, fees and repayment terms can affect how much you eventually repay.

Understanding the total cost of borrowing can help you make a more informed financial decision before taking on debt.

Watch How Debt Works: Interest Explained for Beginners for the complete lesson.

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Beginner's Personal Finance
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What would make you pause before borrowing: the total cost, the interest rate, or how long you'd be making payments?

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