23. The total amount financed thru a car loan is equal to the value of the top part of the car payment formula. TF 24. Although our values are moral in nature, they most likely have a significant impact on our financial planning. T F 25. The essence of using credit is to expand the current consumption. T F 26. A prepayment penalty is determined by recalculating the remaining interest on the loan. T F 23. The total amount financed thru a car loan is equal to the value of the top part of the car payment formula. TF 24. Although our values are moral in nature, they most likely have a significant impact on our financial planning. T F 25. The essence of using credit is to expand the current consumption. T F 26. A prepayment penalty is determined by recalculating the remaining interest on the loan. T F