A person or business that offers loans at extremely high interest rates : loan shark. All of the decisions and activities of an individual or family regarding their money, including spending, saving, budgeting, etc. : Personal finance. A person or organization that uses a product or service : consumer. A fee paid by a borrower to the lender for the use of borrowed money: interest. A system by which goods and services are produced and distributed: economy. A debt evidenced by a "note," which specifies the principal amount, interest rate and date of repayment : loan. The knowledge and skill set necessary to be an informed consumer and manage finances effectively : financial literacy. An obligation of repayment owed by one party to a second party : debt. The granting of a loan and the creation of debt; any form of deferred payment : credit. Only a few people in America have the ability to become a millionaire. : False. Money earned: income