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Adina Campbell investigates loans and credit, a topical issue as more than two thirds of 18-24 year olds in the UK have some form of debt. She meets Michelle who is looking to buy her first car, and they find out what finance options are available. They discuss bank loans, credit cards and pay day loans, comparing their APRs and overall costs. Explanations are given as to how each of these methods work and the dangers inherent in making the wrong decisions. Financial expert Martin Lewis outlines the questions you should ask before taking on debt.