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Meet Jasmine. Jasmine is a college student attending State University. Like many college students, Jasmine has a lot things she needs to buy: books, laundry baskets, food, and so on, and she can pay for those things with two types of money: debit or credit. Debit is money that comes from a personal bank account. Credit is money that is lent to you by your bank. For example, lets say Jasmine has been using a credit card. Each time Jasmine uses the card to buy something, say a $100 textbook, her bank is loaning her the money. While that sounds nice, be warned, the bank isnt giving Jasmine this money for free. They expect her to pay a certain amount of money each month, called interest, if she doesnt totally pay off her balance by the due date. As you can imagine, this can get very expensive very quickly, especially when factoring in the high annual interest rates, or APRs, that are charged by these companies. However, there is a solution to this rather scary problem. As long as Jasmi