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Jerome still hasn't paid Ria back and she needs money. She's thinking of taking a job at the local garden centre to get back on track. Is it the right decision?

No way! The job at the theme park pays better per hour!

Yes. Ria can work more hours and her travel expenses are covered. Perfect match.

Working at a theme park sounds like a lot more fun…

Ria's got an idea. What if she takes out a personal loan now to pay off her overdraft? She could even borrow a little bit extra… That way she'll have even more money to enjoy her first year at uni. Genius right?

Nah. Bad idea. Ria should use her wages to pay off her overdraft now. Those high interest rates will only make it harder to pay back later.

Why not? It'll mean she can really enjoy her first year at uni…

What is the minimum Ria would have to repay on a £1,400 loan, spread over one year?

Your answer should be to the nearest whole pound.
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