Ronald has researched the costs of getting a loan and taking on credit. he finds it impossible to avoid getting charged for interest and decides that he should never take out a loan because it will cost him too much. evaluate ronald's decision.
ronald should reconsider his decision; some loans do not charge interest or accumulate fees.
ronald should reconsider his decision; there may be some purchases in the future that he cannot pay for immediately.
ronald's decision is realistic; taking a loan will increase the cost of a purchase he pays for in another manner.
ronald's decision is realistic; he is unlikely to ever encounter a purchase that would require a loan.