| 1. | The lower your FICO score, the better are your chances of getting a loan and credit. | True | False |
| 2. | All bank ATMs charge a fee. | True | False |
| 3. | You should avoid all types of debt. | True | False |
| 4. | There are no interest payments on debit cards. | True | False |
| 5. | Most individual savings accounts are insured by the federal government for up to $250,000. | True | False |
| 6. | The federal government insures you against identity theft. | True | False |
| 7. | Few states require you to have auto insurance. | True | False |
| 8. | It's better to pay the minimum balance on your credit card than to pay in full the total due. | True | False |
| 9. | Money market accounts pay higher interest rates than savings or checking accounts. | True | False |
| 10. | Net pay is higher than gross pay. | True | False |
| 11. | Bonds are riskier than stocks. | True | False |
| 12. | If you rent an apartment, you are bound by the terms of the rental agreement or lease. | True | False |
| 13. | People with higher educations earn more than those with lower educations. | True | False |
| 14. | Military credit unions usually offer better interest rates than commercial banks. | True | False |
| 15. | A bad credit rating can prevent you from getting a job. | True | False |
| 16. | Individuals who are fired qualify for state unemployment benefits. | True | False |
| 17. | Insurance is cheaper for those who choose to have a lower rather than higher deductible. | True | False |
| 18. | Online banking is riskier and more expensive than other forms of banking. | True | False |
| 19. | You can lose your car or house if you don't make timely loan payments. | True | False |
| 20. | Car payments, insurance, utilities, rent, and a home mortgage are examples of fixed expenses. | True | False |
| 21. | Servicemembers are not required to pay state income and/or sales taxes. | True | False |
| 22. | A Thrift Savings Plan (TSP) lets servicemembers defer taxes for investment and retirement. | True | False |
| 23. | Your base allowance for housing (BAH or BHA) is taxable. | True | False |
| 24. | Pay for hardship duty is not taxable. | True | False |
| 25. | Per diem pay for temporary duty (TDY) is taxable. | True | False |
| 26. | As a servicemember, you and your family receive free medical care through TRICARE. | True | False |
| 27. | You don't need life insurance in the military. | True | False |
| 28. | A co-pay is the money the government gives you to pay for your health insurance. | True | False |
| 29. | Discretionary income is what you use for savings. | True | False |
| 30. | Your "take home pay" is your gross income. | True | False |
| 31. | Every year you automatically receive a "cost of living" increase. | True | False |
| 32. | It's always cheaper to shop at a military base exchange than to shop elsewhere. | True | False |
| 33. | You cannot "shop around" for loan terms. | True | False |
| 34. | Buying a home is always a good investment. | True | False |
| 35. | Payday loan rates are usually cheaper than credit card interest rates. | True | False |
| 36. | People who claim they can "repair your credit" work for government or nonprofit organizations. | True | False |