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    Annual Percentage Rate (APR)
    K-12 Lesson Plans, Articles, Studies and Background Information
    For Elementary, Middle and High School Students & Teachers







    APR Lesson Plans, Articles, Studies

      APR Definition

      Annual percentage rate (APR) is the cost of a loan to the consumer annualy, that is a percentage of the credit granted by the lender. APR is instrumental for comparing the convenience of different loan options.

      P0 is the first principal
      r is the percentage rate for each payment
      n is the number of payments for the loan

      Background Information

    • Annual percentage rate - Wikipedia [View resource]
    • Annual Percentage Rate (APR): Overview and How to Calculate APR [View resource]
    • Annual Percentage Rate (APR) and Effective APR [View resource]
    • What is APR? [View resource]
    • Mortgage APR Calculator [View resource]
    • Financial Annual Percentage Rate Calculator [View resource]

      K-12 Lesson Plans

    • Calculate problems of limiting value using the formula S = Pen as it pertains to annual percentage rate. [View resource]
    • Bottom-Line Personal Finance Myths [View resource]
    • Introduction to Earning Interest APR, APY, and Compound Interest (Grades 9- 10) [View resource]
    • Introduction to Earning Interest APR, APY, and Compound Interest (Grades 11- 12) [View resource]
    • Introduction to Earning Interest APR, APY, and Compound Interest (Middle School) [View resource]
    • Credit Cards [View resource]
    • How Credit Card Interest Works - Lesson Plan [View resource]
    • Your Life Your Money - PBS [View resource]
    • Defensive Spending—Tackling Credit & Debit Cards [View resource]

      Studies and Articles

    • How to Calculate the Interest Rate on Payday Loans [View resource]
    • The Challenge of Understanding Pricing of Micro-loans [View resource]
    • Study on Interest Rate Restrictions (IRR) [View resource]
    • The Pricing of Home Mortgage Loans to Minority Borrowers: How Much of the Apr Differential Can We Explain? [View resource]



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    Last updated: June 2013
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