On the surface, an interest rate is just a number. How that number applies to debt or equity opens up a world of possibilities. The first consideration is always whether it’s simple interest vs.
Interest can be charged when you borrow money or earned when you save. When you charge something on a credit card or take out a loan from a financial institution (student loan, auto loan, mortgage, ...
Interest rates shape everything from your mortgage payment to the return on your savings account. Whether you're borrowing or saving, the rate determines how much money changes hands over time. Rates ...