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This graph compares the cost of room and board at educational institutions in texas.

Freya realizes she does not have enough in her bank account to use the debit card. she decides to use a credit card instead. which questions should freya answer before using a credit card? check all that apply. can i pay at least the minimum payment each month? can i make payments on time and avoid late fees? will i have to take out a loan? how much in finance charges can i afford to pay? should i talk to a consumer credit counseling service?

Column a of irma’s spreadsheet contains titles for each row, but her document is too big and will be printed three pages across. she wants to be sure that every page will be understood. what can irma do to with this problem?