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Saving Up and Paying Back is a free printable Grade 3 to Grade 5 social studies worksheet on figuring out savings plans and the cost of credit, aligned to C3 Framework indicator D2.Eco.10.3-5. It prints 8 questions with an answer key on its own sheet of paper, in 25 versions that each ask different questions, so no two students in the class work from the same page. Print it from the browser or download it as a PDF — no account, no email.

Set 16 of 25 · the same problems every time you open this link.

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Set 1 has all 25 in a single PDF. All 25 sets ask different questions.

Saving Up and Paying Back

D2.Eco.10.3-5

NameDate

Circle the answer that shows the work.

1.Eli borrows $20 and must pay $2 interest. How much does he pay back in all?
  • A.$18
  • B.$20
  • C.$20 + $2 = $22
2.Why does saving up first often cost less than buying on credit?
  • A.Stores charge savers more
  • B.When you save first, you pay no interest
  • C.Saving adds a tax
3.What is interest on a loan?
  • A.A discount on the price
  • B.Extra money the borrower pays the lender for using the money
  • C.Money the lender gives away
4.Maria saves $3 a week for 10 weeks for a gift. How much does she save?
  • A.$33
  • B.10 × $3 = $30
  • C.$13
5.Dev buys a $50 bike on credit and pays $5 interest. How much does the bike really cost him?
  • A.$45
  • B.$50 + $5 = $55
  • C.$50
6.Who must pay back money borrowed on credit?
  • A.The lender
  • B.The borrower
  • C.The store clerk
7.What is one benefit of a savings plan?
  • A.You never have to wait
  • B.Prices stop changing
  • C.Money grows steadily toward a goal, like college
8.What can happen if a borrower does not pay back a loan?
  • A.The borrower earns interest
  • B.The loan turns into a gift
  • C.The lender may charge more and not lend to them again

LessonPrint · D2.Eco.10.3-5 · Set 16 · free to copy for classroom use

Answer key — Saving Up and Paying Back

Set 16. Prints on its own sheet.

  1. 1.$20 + $2 = $22
  2. 2.When you save first, you pay no interest
  3. 3.Extra money the borrower pays the lender for using the money
  4. 4.10 × $3 = $30
  5. 5.$50 + $5 = $55
  6. 6.The borrower
  7. 7.Money grows steadily toward a goal, like college
  8. 8.The lender may charge more and not lend to them again

Last reviewed 2026-09-05. Aligned to D2.Eco.10.3-5 of the C3 Framework for Social Studies State Standards.