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To determine the real cost of borrowing on personal loans, O A. add the APR to the the effective interest rate. B. subtract the APR

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To determine the real cost of borrowing on personal loans, O A. add the APR to the the effective interest rate. B. subtract the APR from the effective interest rate. O C. convert the APR to an effective interest rate. D. convert the effective interest rate to an APR

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