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# Contents

- Introduction
- Learning outcomes
- 1 Debt
- 2 Exploration of debt
  - 2.1 Debt: concepts and evidence
  - 2.2 When are debt levels too high?
  - 2.3 Liberalisation in the financial services industry
  - 2.4 Structure of the financial services industry
- 3 Debt costs
  - 3.1 Some basics of debt and interest
  - 3.2 The official interest rate
  - 3.3 More on interest
  - 3.4 Annual Percentage Rate (APR)
  - 3.5 Interest rates and individuals
- 4 Debt and household finance
  - 4.1 Income and expenditure, and debt
  - 4.2 Liabilities and expenditure
- 5 The borrowing process
  - 5.1 How to finance a purchase
  - 5.2 Which debt product?
  - 5.3 Accessing debt products
- 6 Conclusion
- References
- Keep on learning
- Glossary
- Acknowledgements

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