1 Understanding Loan Fees and Charges -37 2 Understanding Loan Fees and Charges -38 3 Understanding Loan Fees and Charges -39 4 Understanding Loan Fees and Charges -25 5 Understanding Loan Fees and Charges -31 6 Understanding Loan Fees and Charges -33 7 Understanding Loan Fees and Charges – 18 8 Understanding Loan Fees and Charges -9 9 Understanding Loan Fees and Charges -10 10 Understanding Loan Fees and Charges -1