1.     I thought student loans were the most interesting thing discussed this week because I can apply it to my current life.
2.     I thought refinancing a mortgage was the most challenging topic discussed this week because it is similar to the other formulas.
3.     I’d like to learn more about/spend more time on nothing in class because I don't feel the need.
4.     I’d like to spend less time on nothing in class because I don't feel the need.
5.     What is something we discussed this week that you can see yourself using (either directly or indirectly) after this semester?  How and why?

Everything in this section I will eventually find myself doing outside of this semester. 

1.     I thought calculating interest was the most interesting thing discussed this week because it is an example of how easy it is to overpay on a loan or any kind of debt by paying the minimum amount.
2.     I thought amortization was the most challenging topic discussed this week because the formula is so similar to the one for annuity.
3.     I’d like to learn more about/spend more time on reviewing the material in class because there is a lot to remember.
4.     I’d like to spend less time on nothing in class because there is a lot to remember in this section.
5.     What is something we discussed this week that you can see yourself using (either directly or indirectly) after this semester?  How and why?
If I ever need to borrow money, I will keep this section in mind. I am definitely not getting a credit card, though.

(a) It would take 137 months to pat off entirely with an additional $3173.61 in interest.

(b)It would take 180 months to pay off entirely with an additional $3626.26 in interest; almost half of the original cost.