An explanation of your understanding of what loans really cost to consumers, and
How you feel about adjustable rate mortgages (ARMs) and borrowing practices
Please include information and topics from the chapter readings to justify your explanation and reasoning
Include a title page and 3-5 references. Only one reference may be from the internet (not Wikipedia). The other references must be from the Grantham University online library. Please adhere to the Publication Manual of the American Psychological Association (APA), (6th ed., 2nd printing when writing and submitting assisgments and papers.