Borrowing 20 dollars to go to the movies might not seem like much, unless the person you borrow from charges interest. This concept can be a difficult one for young people to grasp until they face this situation themselves. Luckily, this book simplifies credit, loans, interest, and debt to help readers understand one of the hardest financial areas to manage long before they truly need the help. Sidebars and fact boxes supplement sections on credit cards, bankruptcy, and even national debt to explain especially tricky topics.