When making a major purchase, some consumers may use microsoft excel to calculate on a loan.

Payments

When making a major purchase, some consumers may use Microsoft Excel to calculate payments on a loan.

Interest

Explanation:

People will know how many payments they will need to make. You can divide the total number of the product, for say $100 over 10 months which is $10 a month. However, interest would be added of for say 10%. So instead it would be $11 a month. Some consumers could calculate it for interest or payments arguably. If interst is the option and no payment, then choice interest and vice versa.

this conflict is person vs. society

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