1. a) Feeling stress or anxiety (worry) about 
money.
  b) 32%.
2.  a) Wants are clothes, concerts, and Starbucks.
  b) Needs are rent, electricity, car insurance.
3.  a) You are desperate for money because the 
money from your last paycheck is spent and 
gone.
	 b)	 That	you	need	to	pay	yourself	first.
  c) 10%.
4.  a) Even poorer by taking advantage.
  b) $40 for 14 days.
  c) You may roll over the loan for more time and 
more interest.
  d) $793.
5.  a) Equifax, TransUnion, and Experian.
  b) Gives you a credit score from 300 to 850.
  c) 850.
  d) Payment history; amount of debt; length of 
credit history.
6. Everywhere.
7.  a) Low such as 4%.
  b) High such as 21%.
8.  $680 more.
9.  May need to pay higher rents.
10.  Miss or make minimum payments; make late 
payments; do not pay taxes; break a lease and 
not pay all rent money due; never pay back a 
loan.
11.  a) Aggressively calling you and sending threat -
ening letters.
  b) 5 to 10 years.
  c) You must pay your bills and loans perfectly.
12.  Visit AnnualCreditReport.com.
13.  To make sure there is not an error.
14. No.
15.  Go to MyFICO.com to buy.  Go to Experian, 
Equifax, or TransUnion websites to buy.  Go to 
Your Money: Problems
QUICK CHECK ANSWERS:	
your bank and ask for your free FICO score.
16.  a) CreditKarma.com, CreditSesame.com, 
Quizzle.com. 
  b) Monthly subscription plan that costs money.
17.  a) Earn more money or spend less.
  b) Student's answer.
  c) Reason why.