Borrowing and Returning

Borrowing and Returning book cover — contents of table Loan Smarts 4 Pay It Back 22 Glossary 24 Index 24 About the author Jennifer Colby is a school librarian in Michigan She borrows only what she can pay back About the illustrator Jeff Bane and his two business partners own a studio along the American River in Folsom California home of the 1849 Gold Rush When Jeff’s not sketching or illustrating for clients he’s either swimming or kayaking in the river to relax 3

Borrowing and Returning — page 1 — smarts loan Do you want to buy something 4

Borrowing and Returning — page 2

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