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2. Present value - Wikipedia

   en.wikipedia.org/wiki/Present_value

   In economics and finance, present value (PV), also known as present discounted value, is the value of an expected income stream determined as of the date of valuation.The present value is usually less than the future value because money has interest-earning potential, a characteristic referred to as the time value of money, except during times of negative interest rates, when the present value ...

3. Effective interest rate - Wikipedia

   en.wikipedia.org/wiki/Effective_interest_rate

   The effective interest rate ( EIR ), effective annual interest rate, annual equivalent rate ( AER) or simply effective rate is the percentage of interest on a loan or financial product if compound interest accumulates over a year during which no payments are made. It is the compound interest payable annually in arrears, based on the nominal ...

4. Credit history - Wikipedia

   en.wikipedia.org/wiki/Credit_history

   Credit history. A credit history is a record of a borrower's responsible repayment of debts. [1] A credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments. [2] A borrower's credit score is the result of a mathematical algorithm applied to a ...

5. Financing cost - Wikipedia

   en.wikipedia.org/wiki/Financing_cost

   Financing cost ( FC ), also known as the cost of finances ( COF ), is the cost, interest, and other charges involved in the borrowing of money to build or purchase assets. This can range from the cost it takes to finance a mortgage on a house, to finance a car loan through a bank, or to finance a student loan. The total expenses associated with ...

6. Interest - Wikipedia

   en.wikipedia.org/wiki/Interest

   In finance and economics, interest is payment from a borrower or deposit-taking financial institution to a lender or depositor of an amount above repayment of the principal sum (that is, the amount borrowed), at a particular rate. [1] It is distinct from a fee which the borrower may pay to the lender or some third party.

7. Pros and cons of student credit cards - AOL

   www.aol.com/finance/pros-cons-student-credit...

   The bottom line. Student credit cards can be easier to qualify for and have their advantages. They have their disadvantages too since they might induce you to take on more debt than you can handle ...