This worksheet is for the spreadsheet AND amortization enthusiast; that overlap exists, we know for a fact! At all 3 levels, students are building their own amortization spreadsheet from scratch, which they can do with support from a lesson in the NGPF Financial Algebra course, through your teaching, or through their own spreadsheet expertise! This three-tiered application problem set can be used to differentiate or scaffold the learning. Level 1 -- Build a sheet to pay down credit card debt, wh