Borrowing and debt

Tests: 5 of 12 right · Exam: 1 of 4 right · Kind: ★★ · Understood: 8 of 16 · Run: 2026-10-18, commit f3c23ea72

Lesson 8 of the adult life course of Mova's primary school, as Mova's small model took its tests: it had read this lesson and the ones before it and learned from their exercises. Each test shows the options in the order the student saw them, its choice, the right answer, the score of every option and why it chose. The lesson itself, sentence by sentence with trees and pragmatics: the lesson in the corpora.

Every question of this lesson and each of its options parsed by Mova, with trees and pragmatics: the lesson's questions in the corpora.

Test 1 · ★★ · right ✓

Your brother says "Debt means we're bad people." Put him right.

1. Debt means the family will lose everything — no support
2. Debt means the bank owns the children — no support
3. He is right, only bad people ever borrow money from a bank — score 4
4. Debt is common, most adults have some, and it can be sorted — ← Mova's choice · ✓ the right answer · score 8

Why: It took the question to ask which statement is true. It chose option 4 with score 8, against 4 for the next best. Its support: lesson 8, line 5: «Debt is common and can be sorted. Sorting it is the grown-ups' job, not the child's, and asking for help early is the sensible move.», reached through the remembered sentence the question matched. What matched: the same doer «debt» (+4); the same property (+2); the same light verb (be, have, do, get, go) (+2). · the question and its options parsed, with trees and pragmatics

Test 2 · ★★ · wrong ✗

Overheard on the phone: "Look, I've only paid the minimum for two years and it's barely gone down!" Why?

1. The bank forgot to take his payments for two whole years — ← Mova's choice · no support
2. Minimum payments cancel each other out — no support
3. The minimum mostly paid the interest, not the debt — ✓ the right answer · no support
4. The debt grows only on weekends — no support

Why: No option found support in what it remembers, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

Test 3 · ★★ · wrong ✗

Your cousin wants a £300 bike "on buy now pay later, it's basically free". What is the best question to ask?

1. Can you get two bikes on the plan? — ← Mova's choice · no support
2. Will the bike be delivered in minutes? — no support
3. Which colour bike do you want? — no support
4. Could you afford it today, and what if a payment is late? — ✓ the right answer · no support

Why: No option found support in what it remembers, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

Test 4 · ★★ · wrong ✗

Dad grumbles "Missed one phone payment and now the flat agency won't rent to us." What has probably happened?

1. Missing payments raises the score — ← Mova's choice · score 3
2. His credit score dropped from the missed payment — ✓ the right answer · no support
3. Phone companies own all the flats in the town — no support
4. The agency does not like his phone — no support

Why: It took the question to ask which statement is true. It chose option 1 with score 3, the only option with support. Its support: lesson 8, line 13: «A credit score is a rating of how reliably someone pays; missing payments lowers it and makes borrowing harder and dearer.», reached through the option's own match among the sentences about the question's things. What matched: the same doer «missing payments» (+2); the same thing acted on «score» (+2). Against it: a different action (counts against) (-1). The right option, 2, found no support in what it remembers. · the question and its options parsed, with trees and pragmatics

Test 5 · ★★ · right ✓

Mum: "Stop hiding the letters, Steve, the longer you leave it the worse it gets." What is true?

1. Acting early on overdue bills is much easier — ← Mova's choice · ✓ the right answer · no support
2. Ignoring the letters for long enough makes debts disappear — no support
3. Letters about money are always mistakes — no support
4. Hidden letters cannot be legally sent — no support

Why: No option found support in what it remembers, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

Test 6 · ★★ · wrong ✗

A man on telly says "Borrowed £200 till payday, ended up owing loads more, kept borrowing to pay it back." What happened?

1. His savings grew by compound interest — ← Mova's choice · no support
2. He won money in a prize draw on the telly — no support
3. He got a free loan from a charity — no support
4. He was trapped by an expensive payday loan — ✓ the right answer · no support

Why: No option found support in what it remembers, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

Test 7 · ★★ · right ✓

Your mate whispers "Bailiffs can take anything, even your bed and your telly!" Put him right.

1. Bailiffs can only take children's toys — score 0
2. They follow strict rules and can't take essentials — ← Mova's choice · ✓ the right answer · score 12
3. Bailiffs come without any warning ever — no support
4. He is right, they can take anything at all, even the beds — score 0

Why: It took the question to ask which statement is true. It chose option 2 with score 12, against 0 for the next best. Its support: lesson 8, line 15: «Bailiffs can collect money owed only after a court decision and many warnings, under strict rules, and cannot take essentials.», reached through the remembered sentence the question matched. What matched: the same action «take» (+4); the same doer «bailiffs» (+4); the same thing acted on «essentials» (+4). · the question and its options parsed, with trees and pragmatics

Test 8 · ★★ · wrong ✗

Two loans for the same car: one adds £5 a year for every £100 borrowed, the other £15. Which costs less in total?

1. The one that adds more is always cheaper — no support
2. The one that adds £5 — ✓ the right answer · no support
3. They cost exactly the same — ← Mova's choice · score 3
4. The one that adds £15 — no support

Why: It took the question to ask who or what does it. It chose option 3 with score 3, the only option with support. Its support: lesson 8, line 9: «A loan means borrowing a set amount and paying it back in fixed amounts plus interest, so the total cost is more than the price.», reached through the remembered sentence the question matched. What matched: it fills the role the question asks for (+5); the same doer «loan» (+3). Against it: a different thing acted on (counts against) (-2); a different action (counts against) (-3). The right option, 2, found no support in what it remembers. · the question and its options parsed, with trees and pragmatics

Test 9 · ★★ · right ✓

Your sister lent her friend £5 for sweets. It's been a month, nothing back, and now they're not talking. What lesson is this?

1. Lending to friends can cause arguments if not repaid — ← Mova's choice · ✓ the right answer · score 9
2. She should charge her friend interest — no support
3. Friends always pay back twice as much if you wait long enough — no support
4. Never share anything with anyone ever — no support

Why: It took the question to ask what it is done to. It chose option 1 with score 9, the only option with support. Its support: lesson 8, line 17: «Lending money to friends can cause arguments, so many grown-ups only lend what they could afford to lose.», reached through the same lesson line as the sentence the question matched. What matched: it fills the role the question asks for (+3); the same action «cause» (+2); the same doer «lending» (+2); the same thing acted on «arguments» (+2). · the question and its options parsed, with trees and pragmatics

Test 10 · ★★ · wrong ✗

Mum, quietly: "We'll be fine, the debt people are helping us." What should you do?

1. Trust that the grown-ups are sorting it — ✓ the right answer · no support
2. Worry in secret every night — no support
3. Give all your pocket money to the bank to help — ← Mova's choice · score 10
4. Ask the neighbours to lend you money — no support

Why: It took the question to ask what is done. It chose option 3 with score 10, the only option with support. Its support: lesson 5, line 11: «Benefits are money the government pays to people who need help, such as those out of work, ill, caring for someone or on low pay; Universal Credit is the main…», reached through the option's own match among the sentences about the question's things. What matched: it fills the role the question asks for (+4); the same action «pay» (+3); the same thing acted on «money» (+3). The right option, 1, found no support in what it remembers. · the question and its options parsed, with trees and pragmatics

Test 11 · ★★ · wrong ✗

Grandad: "Savings and debts grow the same way, kid." What does he mean?

1. Debts shrink while savings grow — ← Mova's choice · score 4
2. Interest is only paid on savings — score 3
3. Interest builds up on both over time — ✓ the right answer · no support
4. Savings grow only if you have no debts — score 4

Why: It took the question to ask what it is done to. It chose option 1 with score 4, tied with another option at 4 (the first shown, or the one claiming less beyond what it knows, wins). Its support: lesson 7, line 11: «Compound interest means you earn interest on the interest, so savings grow faster over many years, and unpaid debts grow the same way.», reached through the same lesson line as the sentence the question matched. What matched: the same action «grow» (+2); the same doer «savings» (+2). The right option, 3, found no support in what it remembers. · the question and its options parsed, with trees and pragmatics

Test 12 · ★★ · right ✓

Dad: "If we'd saved up first we'd have paid £800 less for this car." Why?

1. Buying with a loan adds interest to the price — ← Mova's choice · ✓ the right answer · score 0
2. Cars are always cheaper if you pay for them later — no support
3. Saved money earns a discount at the garage — no support
4. The loan company gave him a refund — no support

Why: It took the question to ask why something happens (its cause). It chose option 1 with score 0, the only option with support. Its support: lesson 7, line 10: «A savings account pays interest, a little extra money each year for every pound kept there, because the bank lends your money to others.», reached through the cause of the sentence the question matched. What matched: the same action «lend» (+4). Against it: a different doer (counts against) (-2); a different thing acted on (counts against) (-2). · the question and its options parsed, with trees and pragmatics

Exam question 1 · formal language · wrong ✗

Which of the following most accurately characterises the consequence of remitting only the minimum payment upon a credit card balance?

1. The lender is obliged to waive the remainder — ← Mova's choice · no support
2. No interest whatsoever accrues upon the balance — no support
3. The balance is extinguished within a single month of the first payment — no support
4. The debt lasts a long time, as little more than the interest is discharged — ✓ the right answer · no support

Why: No option found support in what it remembers, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

Exam question 2 · formal language · right ✓

Identify the principal function of a credit score.

1. To indicate the reliability with which an individual has discharged past debts — ← Mova's choice · ✓ the right answer · no support
2. To record the aggregate savings held by an individual in all accounts across the country — no support
3. To determine the council tax payable by a household — no support
4. To state the salary received by an individual — no support

Why: Nothing it remembers matched the question, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

Exam question 3 · formal language · wrong ✗

Select the statement consistent with the established facts concerning the enforcement of debts by bailiffs.

1. Bailiffs act solely on the instruction of neighbours — ← Mova's choice · no support
2. Enforcement occurs only after a court decision, subject to strict rules — ✓ the right answer · no support
3. Enforcement may occur at any hour and without any prior warning whatsoever — no support
4. Bailiffs are empowered to seize essential household items — no support

Why: No option found support in what it remembers, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

Exam question 4 · formal language · wrong ✗

Ascertain the most prudent course of action for a household in receipt of a final demand which it is unable to settle.

1. To obtain a payday loan of the highest available sum — ← Mova's choice · no support
2. To disregard the correspondence until further notice is received — no support
3. To conceal the correspondence from all other persons — no support
4. To seek free advice from a debt charity without delay — ✓ the right answer · no support

Why: No option found support in what it remembers, so it guessed: it took the first option shown. · the question and its options parsed, with trees and pragmatics

This page in Markdown → https://md.mova.elamur.ai/free/en/school-run/adult-life/8-borrowing-and-debt/