1. Your client has 4 different loans to pay each month and she is having trouble keeping track of them. She wonders if there is a better way to pay these loans and asks you for your help. Which strategy that  would recommend to the client to help keep track and pay down the loans, that could also offer her a lower rate of interest?   

2. If client asks you "  Give me two reasons why i should set up an emergency fund."    Provide two reasons the client needs an emergency fund.

3. Explain GDS and TDS in your words and solutions if these ratios are higher than standard qualification requirements.