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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 25 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.$20
  • B.$18
  • C.$20 + $2 = $22
2.What can happen if a borrower does not pay back a loan?
  • A.The borrower earns interest
  • B.The lender may charge more and not lend to them again
  • C.The loan turns into a gift
3.What is one benefit of a savings plan?
  • A.You never have to wait
  • B.Money grows steadily toward a goal, like college
  • C.Prices stop changing
4.What is credit?
  • A.Borrowing money now and paying it back later
  • B.Money you earn by working
  • C.Money you are given as a gift
5.Kim needs $24 for a trip. She saves $4 a week. How many weeks will it take?
  • A.28 weeks
  • B.$24 ÷ $4 = 6 weeks
  • C.20 weeks
6.Maria saves $3 a week for 10 weeks for a gift. How much does she save?
  • A.10 × $3 = $30
  • B.$13
  • C.$33
7.Why does saving up first often cost less than buying on credit?
  • A.Stores charge savers more
  • B.Saving adds a tax
  • C.When you save first, you pay no interest
8.Who must pay back money borrowed on credit?
  • A.The store clerk
  • B.The lender
  • C.The borrower

LessonPrint · D2.Eco.10.3-5 · Set 25 · free to copy for classroom use

Answer key — Saving Up and Paying Back

Set 25. Prints on its own sheet.

  1. 1.$20 + $2 = $22
  2. 2.The lender may charge more and not lend to them again
  3. 3.Money grows steadily toward a goal, like college
  4. 4.Borrowing money now and paying it back later
  5. 5.$24 ÷ $4 = 6 weeks
  6. 6.10 × $3 = $30
  7. 7.When you save first, you pay no interest
  8. 8.The borrower

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