Най-търсените ключови думи

За всички занимаващи се с Интернет реклама, дизайн и оптимизация, има 2-3 основни въпроса, които са ключови в тяхната работа. А именно:

1. Как да изкарам моя проект на първа страница в търсачките?

2. Какви ключови думи да използвам?

3. Кои са най-търсените думи / термини в Гугъл.

4…

Днес си направих един експеримент. Пуснах инструментите за оптимизация на Gooogle Adwords, и след няколко часа работа успях да направя една сравнително добра класация на най-търсените думи в Гугъл.  Много интересно , но не и неочакван е факта, че класацията се води от facebook, google, yahoo и т.н.  Един приятел днес ме попита, ама защо търсят „google“ в Google? Отговорът е много смешен и прозаичен – 70% от интернет потребителите имат екрани препълнени с „toolbars“  и когато пуснат броусера не знаят къде да напишат интернет адреса и той много често попада в „search  bar“‘-a  на Google.

Резултатите долу са разделени на Global (за цял свят) и Local (за САЩ)

Ето и резултата:

Keyword Competition Global Monthly Searches Oct 2010 Estimated Avg. CPC Local Monthly Searches
facebook 0.01 2,060,000,000 338000000 $0.70 226,000,000
youtube 0.05 755,000,000 124000000 $1.54 101,000,000
yahoo 0.02 506,000,000 151000000 $0.64 124,000,000
hotmail 0.07 414,000,000 37200000 $0.58 37,200,000
google 0.1 414,000,000 101000000 $4.10 83,100,000
video 0.15 338,000,000 68000000 $1.19 68,000,000
tv 0.26 277,000,000 55600000 $1.19 45,500,000
games 0.28 277,000,000 101000000 $0.78 101,000,000
uk 0.2 226,000,000 13600000 $3.42 13,600,000
hotel 0.54 226,000,000 45500000 $2.45 37,200,000
mp3 0.13 185,000,000 20400000 $0.88 16,600,000
gmail 0.05 185,000,000 45500000 $4.30 45,500,000
yahoo mail 0.02 151,000,000 45500000 $0.60 45,500,000
news 0.1 151,000,000 55600000 $1.48 55,600,000
movie 0.12 151,000,000 55600000 $0.86 55,600,000
music 0.23 124,000,000 55600000 $1.02 55,600,000
mail yahoo 0.02 124,000,000 37200000 $0.00 37,200,000
home 0.36 124,000,000 68000000 $4.50 55,600,000
car 0.53 124,000,000 55600000 $4.66 55,600,000
girls 0.17 101,000,000 45500000 $0.92 37,200,000
canada 0.25 83,100,000 9140000 $1.53 9,140,000
baby 0.38 83,100,000 37200000 $1.04 37,200,000
sport 0.32 68,000,000 6120000 $1.14 6,120,000
song 0.05 68,000,000 30400000 $0.58 24,900,000
shop 0.29 68,000,000 16600000 $5.60 13,600,000
photo 0.34 68,000,000 16600000 $1.61 13,600,000
insurance 0.67 68,000,000 45500000 $14.90 37,200,000
cheap 0.84 68,000,000 37200000 $2.97 30,400,000
store 0.3 55,600,000 30400000 $2.38 30,400,000
job 0.32 55,600,000 20400000 $1.15 16,600,000
health 0.29 55,600,000 37200000 $2.99 30,400,000
food 0.26 55,600,000 30400000 $0.96 30,400,000
family 0.2 55,600,000 30400000 $1.26 24,900,000
usa 0.22 45,500,000 20400000 $1.52 20,400,000
travel 0.49 45,500,000 16600000 $2.55 13,600,000
party 0.37 45,500,000 30400000 $1.45 20,400,000
model 0.22 45,500,000 16600000 $0.80 13,600,000
computer 0.4 45,500,000 20400000 $2.29 20,400,000
tickets 0.73 37,200,000 16600000 $2.29 16,600,000
recipes 0.33 37,200,000 24900000 $0.54 20,400,000
money 0.31 37,200,000 20400000 $2.65 16,600,000
furniture 0.67 37,200,000 20400000 $1.44 20,400,000
christmas 0.4 37,200,000 16600000 $1.02 16,600,000
resort 0.38 30,400,000 9140000 $1.67 11,100,000
real estate 0.46 30,400,000 20400000 $2.72 20,400,000
holiday 0.29 30,400,000 9140000 $3.50 7,480,000
boys 0.25 30,400,000 11100000 $1.03 11,100,000
stock 0.33 24,900,000 13600000 $3.67 13,600,000
property 0.27 24,900,000 11100000 $2.07 11,100,000
student 0.27 20,400,000 11100000 $5.96 9,140,000
google earth 0.16 20,400,000 4090000 $2.29 4,090,000
fitness 0.23 20,400,000 11100000 $1.82 9,140,000
finance 0.16 20,400,000 7480000 $9.98 7,480,000
europe 0.25 20,400,000 4090000 $2.02 4,090,000
toy 0.44 16,600,000 7480000 $1.32 7,480,000
ski 0.37 16,600,000 6120000 $1.48 6,120,000
msn hotmail 0.09 16,600,000 1500000 $0.47 1,500,000
mortgage 0.58 16,600,000 13600000 $15.15 11,100,000
loan 0.58 16,600,000 11100000 $9.76 11,100,000
google translate 0.08 16,600,000 5000000 $2.03 2,740,000
clothes 0.57 16,600,000 9140000 $1.00 7,480,000
vacation 0.68 13,600,000 7480000 $2.11 9,140,000
google chrome 0.09 13,600,000 2740000 $0.05 2,240,000
celebrity 0.14 13,600,000 6120000 $0.79 6,120,000
sign in hotmail 0.08 11,100,000 2240000 $0.37 823,000
map google 0.13 11,100,000 1500000 $1.98 1,220,000
hotmail sign in hotmail 0.08 11,100,000 2240000 $0.05 823,000
hotmail sign in 0.07 11,100,000 2240000 $0.00 823,000
gifts 0.73 11,100,000 7480000 $1.74 7,480,000
employment 0.32 11,100,000 7480000 $1.16 7,480,000
electronics 0.29 9,140,000 3350000 $2.45 3,350,000
yahoo messenger 0.22 7,480,000 1000000 $0.54 1,220,000
tourism 0.33 7,480,000 1500000 $0.87 1,500,000
lawyer 0.59 6,120,000 5000000 $10.11 4,090,000
yahoo sign in 0.12 4,090,000 673000 $0.23 673,000
yahoo mail signin 0.17 4,090,000 550000 $0.05 450,000
sporting 0.19 4,090,000 1830000 $1.06 1,830,000
mail google 0.06 4,090,000 1000000 $0.00 1,000,000
leisure 0.19 4,090,000 673000 $1.33 673,000
google mail 0.06 4,090,000 1000000 $3.75 1,000,000
goods 0.23 4,090,000 2740000 $1.08 2,240,000
yahoo email sign in 0.15 3,350,000 450000 $0.00 450,000
make money 0.53 3,350,000 2740000 $2.38 2,240,000
google.fr 0.01 3,350,000 90500 $5.30 74,000
google translator 0.08 3,350,000 823000 $2.00 550,000
google search 0.15 3,350,000 1220000 $2.54 1,220,000
google images 0.04 3,350,000 1830000 $1.24 1,500,000
google apps 0.15 3,350,000 2240000 $3.82 1,500,000
documents 0.19 3,350,000 1500000 $1.68 1,220,000
yahoo download 0.21 2,740,000 368000 $0.22 301,000
student loan 0.47 2,740,000 1830000 $20.97 2,240,000
street view google 0.16 2,740,000 450000 $0.05 450,000
new home 0.66 2,740,000 2240000 $4.96 1,830,000
home loan 0.67 2,740,000 1500000 $20.28 1,830,000
greetings 0.34 2,740,000 673000 $0.49 823,000
yahoo messenger download 0.27 2,240,000 201000 $0.00 201,000
google scholar 0 2,240,000 1000000 $4.05 550,000
google docs 0.1 2,240,000 1500000 $1.88 1,000,000
google books 0.07 2,240,000 673000 $6.74 673,000
download yahoo messenger 0.27 2,240,000 201000 $0.00 201,000
payday loan 0.88 1,830,000 1830000 $6.11 1,220,000
my yahoo 0.04 1,830,000 1000000 $0.26 1,000,000
google voice 0.14 1,830,000 1830000 $3.98 1,500,000
google talk 0.08 1,830,000 450000 $5.31 368,000
google finance 0.04 1,830,000 673000 $0.00 550,000
google chat 0.1 1,830,000 550000 $7.41 450,000
google calendar 0.09 1,830,000 1000000 $2.23 823,000
google bar 0.13 1,830,000 450000 $3.87 450,000
gmail login 0.05 1,830,000 1220000 $5.35 450,000
yahoo games 0.1 1,500,000 673000 $0.00 823,000
windows hotmail 0.13 1,500,000 90500 $0.05 74,000
loan calculators 0.63 1,500,000 1000000 $2.94 1,000,000
loan calculator 0.62 1,500,000 1000000 $2.95 1,000,000
hotmail login 0.09 1,500,000 110000 $0.50 74,000
google wave 0.06 1,500,000 74000 $0.05 450,000
google toolbar 0.14 1,500,000 301000 $4.40 301,000
google news 0.04 1,500,000 673000 $0.00 550,000
google earth download 0.19 1,500,000 201000 $0.00 201,000
google chrome download 0.1 1,500,000 165000 $0.05 165,000
download google earth 0.19 1,500,000 201000 $0.00 201,000
yahoo maps 0.08 1,220,000 1000000 $0.93 1,000,000
yahoo login 0.04 1,220,000 368000 $0.25 301,000
yahoo hotmail 0.02 1,220,000 60500 $0.00 90,500
yahoo groups 0.01 1,220,000 368000 $0.98 368,000
hotmail yahoo 0.02 1,220,000 60500 $0.00 90,500
yahoo search 0.12 1,000,000 450000 $4.51 368,000
yahoo news 0.01 1,000,000 550000 $0.00 450,000
google reader 0.09 1,000,000 301000 $2.81 301,000
car loan 0.72 1,000,000 673000 $0.00 673,000
auto loan 0.7 1,000,000 1000000 $8.37 823,000
yahoo mail login 0.07 823,000 301000 $0.12 165,000
yahoo gmail 0.02 823,000 60500 $0.05 90,500
yahoo chat 0.37 823,000 135000 $0.52 135,000
translation google 0.1 823,000 368000 $0.00 301,000
my google 0.13 823,000 246000 $2.14 246,000
hotmail gmail 0.02 823,000 60500 $0.05 74,000
google videos 0.08 823,000 90500 $2.46 110,000
google translation 0.1 823,000 368000 $1.86 301,000
google sync 0.12 823,000 368000 $0.87 368,000
google sketchup 0.07 823,000 165000 $5.01 135,000
google image 0.04 823,000 201000 $1.82 201,000
gmail yahoo 0.02 823,000 60500 $0.05 90,500
home decor 0.74 673,000 450000 $0.96 450,000
google groups 0.04 673,000 246000 $1.95 201,000
gmail account 0.11 673,000 450000 $4.87 246,000
yahoo movies 0.03 550,000 301000 $0.51 368,000
yahoo fantasy football 0.02 550,000 1500000 $0.64 550,000
loan rates 0.83 550,000 368000 $11.77 368,000
hotmail account 0.16 550,000 135000 $1.29 110,000
google themes 0.09 550,000 246000 $0.05 165,000
google mobile 0.19 550,000 135000 $4.08 135,000
google earth street view 0.2 550,000 201000 $0.05 201,000
google desktop 0.08 550,000 165000 $11.11 165,000
car loans 0.85 550,000 368000 $9.86 301,000
bank loan 0.4 550,000 301000 $5.70 246,000
bad credit loan 0.92 550,000 450000 $4.99 368,000
att yahoo 0.09 550,000 550000 $1.97 550,000
yahoo messenger free download 0.23 450,000 18100 $0.00 22,200
yahoo messenger download free 0.23 450,000 18100 $0.00 22,200
yahoo messenger 9 0.19 450,000 18100 $0.05 27,100
yahoo messenger 10 0.13 450,000 27100 $0.05 33,100
street maps google 0.17 450,000 74000 $1.55 110,000
msn hotmail sign in 0.04 450,000 74000 $0.19 60,500
loan consolidation 0.69 450,000 368000 $29.39 368,000
google usa 0.12 450,000 27100 $0.00 22,200
google url 0.11 450,000 110000 $5.99 74,000
google tools 0.15 450,000 110000 $2.66 110,000
google homepage 0.16 450,000 201000 $6.14 201,000
google gmail 0.07 450,000 110000 $0.00 110,000
google email 0.2 450,000 165000 $6.38 165,000
google earth free 0.19 450,000 60500 $1.34 74,000
google dictionary 0.14 450,000 165000 $2.56 90,500
google chrome themes 0.09 450,000 165000 $0.05 135,000
gmail google 0.07 450,000 110000 $0.00 110,000
gmail from google 0.07 450,000 110000 $0.05 110,000
free yahoo messenger download 0.23 450,000 18100 $0.00 22,200
free download yahoo messenger 0.23 450,000 18100 $0.38 22,200
consolidation loan 0.7 450,000 301000 $0.00 301,000
yahoo video 0.06 368,000 110000 $0.00 110,000
yahoo account 0.1 368,000 201000 $1.57 165,000
sign up hotmail 0.29 368,000 74000 $0.00 49,500
sign up for hotmail 0.29 368,000 74000 $0.41 49,500
loan for business 0.7 368,000 201000 $5.26 246,000
hotmail sign up 0.29 368,000 74000 $0.33 49,500
hotmail en español 0.25 368,000 40500 $0.05 40,500
google trends 0.07 368,000 135000 $0.94 135,000
google maps street view 0.16 368,000 74000 $0.05 110,000
google home 0.27 368,000 110000 $0.00 165,000
google chrome free download 0.13 368,000 18100 $0.05 9,900
google chrome download free 0.13 368,000 18100 $0.05 9,900
google blog 0.11 368,000 110000 $3.30 110,000
gmail sign in 0.11 368,000 135000 $3.59 74,000
free google chrome download 0.13 368,000 18100 $0.05 9,900
free download google chrome 0.13 368,000 18100 $0.05 9,900
download google chrome free 0.13 368,000 18100 $0.05 9,900
cash loan 0.82 368,000 246000 $5.83 246,000
business loan 0.7 368,000 201000 $5.99 246,000
home equity loan 0.84 301,000 201000 $41.61 246,000
google earth online 0.23 301,000 18100 $2.97 22,200
google earth free download 0.18 301,000 33100 $1.25 40,500
google doc 0.1 301,000 135000 $1.92 90,500
google checkout 0.21 301,000 165000 $14.72 165,000
google calendar sync 0.13 301,000 165000 $0.83 135,000
gmail sign up 0.2 301,000 14800 $5.57 14,800
get a loan 0.72 301,000 246000 $6.88 201,000
yahoo messenger 9 download 0.22 246,000 9900 $0.05 14,800
home loan rate 0.88 246,000 110000 $0.00 135,000
google talk download 0.09 246,000 14800 $2.57 22,200
google maps api 0.06 246,000 74000 $1.39 60,500
google latitude 0.09 246,000 90500 $0.05 74,000
google earth pro 0.1 246,000 27100 $2.00 27,100
google earth live 0.31 246,000 40500 $2.30 49,500
google chrome os 0.11 246,000 40500 $0.05 60,500
fha loan 0.58 246,000 246000 $9.74 246,000
download yahoo messenger 9 0.22 246,000 9900 $0.05 14,800
consolidating student loans 0.53 246,000 201000 $60.00 201,000
yahoo videos 0.12 201,000 74000 $0.47 74,000
yahoo sign up 0.25 201,000 22200 $0.75 22,200
yahoo mobile 0.09 201,000 49500 $1.35 49,500
va loan 0.77 201,000 165000 $10.88 165,000
my yahoo mail 0.09 201,000 110000 $0.15 90,500
loan calculator auto 0.62 201,000 201000 $0.00 201,000
house loan calculator 0.78 201,000 49500 $3.51 49,500
hotmail download 0.28 201,000 33100 $0.56 27,100
home loans calculator 0.79 201,000 49500 $12.82 49,500
home loan calculators 0.79 201,000 49500 $0.00 49,500
home loan calculator 0.78 201,000 49500 $10.75 49,500
google gadgets 0.11 201,000 40500 $1.94 49,500
google earth maps 0.23 201,000 40500 $2.72 40,500
gmail chat 0.1 201,000 60500 $2.55 60,500
car loans calculator 0.68 201,000 135000 $6.25 135,000
car loan calculator 0.67 201,000 135000 $0.00 135,000
auto loan calculator 0.62 201,000 201000 $2.79 201,000
yahoo toolbar 0.17 165,000 74000 $0.68 74,000
yahoo messenger online 0.14 165,000 40500 $0.65 40,500
yahoo map 0.09 165,000 74000 $0.77 90,500
yahoo fantasy baseball 0.02 165,000 33100 $0.87 135,000
unsecured loan 0.88 165,000 90500 $7.27 90,500
student loans consolidation 0.54 165,000 135000 $55.45 135,000
student loan consolidation 0.53 165,000 135000 $0.00 110,000
make easy money 0.68 165,000 110000 $0.00 110,000
housing loan 0.47 165,000 33100 $1.54 33,100
hotmail inbox 0.21 165,000 40500 $0.46 40,500
hotmail com inbox 0.21 165,000 40500 $0.05 40,500
home loans rates 0.89 165,000 90500 $16.25 90,500
google world 0.14 165,000 49500 $2.67 49,500
google webmaster tools 0.11 165,000 49500 $1.52 49,500
google weather 0.28 165,000 49500 $2.05 60,500
google pack 0.07 165,000 33100 $2.19 33,100
google music 0.25 165,000 60500 $0.00 60,500
google games 0.57 165,000 90500 $0.00 60,500
fast loan 0.86 165,000 110000 $6.62 90,500
yahoo home page 0.16 135,000 74000 $0.00 74,000
spanish to english translation google 0.09 135,000 135000 $0.05 110,000
secured loan 0.75 135,000 49500 $49.05 49,500
private student loan 0.74 135,000 110000 $18.95 110,000
personal student loans 0.75 135,000 110000 $15.59 135,000
need a loan 0.83 135,000 90500 $7.03 74,000
how to make fast money 0.64 135,000 90500 $6.14 90,500
home loan rates 0.89 135,000 60500 $22.75 60,500
hobbie 0.21 135,000 49500 $0.48 49,500
google toolbar download 0.23 135,000 18100 $5.21 18,100
google satellite 0.28 135,000 33100 $3.28 33,100
google maps mobile 0.14 135,000 14800 $5.00 22,200
google earth 3d 0.2 135,000 14800 $2.00 12,100
google documents 0.11 135,000 74000 $0.00 60,500
google chrome theme 0.09 135,000 49500 $0.05 40,500
google chrome extensions 0.09 135,000 49500 $0.05 49,500
google browser 0.12 135,000 49500 $3.95 40,500
federal student loans 0.43 135,000 110000 $11.28 135,000
education loan 0.26 135,000 74000 $13.25 74,000
download google toolbar 0.23 135,000 18100 $0.00 18,100
debt consolidation loan 0.93 135,000 74000 $15.78 90,500
currency converter yahoo 0.1 135,000 22200 $0.30 18,100
bad credit car loans 0.93 135,000 110000 $8.57 90,500
yahoo messenger 9.0 free download 0.24 110,000 1900 $0.05 6,600
yahoo im 0.09 110,000 74000 $0.74 90,500
small business loan 0.85 110,000 90500 $5.90 74,000
refinancing home loan 0.88 110,000 60500 $0.00 74,000
new hotmail account 0.29 110,000 12100 $0.00 12,100
money loans 0.85 110,000 74000 $8.19 74,000
loan amortization 0.43 110,000 74000 $1.93 90,500
hotmail new account 0.29 110,000 12100 $1.01 12,100
home loans bad credit 0.93 110,000 74000 $21.53 90,500
home equity loans 0.87 110,000 74000 $33.02 74,000
google maps download 0.11 110,000 12100 $0.05 12,100
download google maps 0.11 110,000 12100 $0.05 12,100
cheap loans 0.88 110,000 33100 $30.08 33,100
bad credit home loan 0.93 110,000 74000 $14.62 90,500
yahoo people search 0.2 90,500 74000 $0.56 74,000
yahoo driving directions 0.15 90,500 90500 $0.00 90,500
student private loans 0.79 90,500 60500 $0.00 74,000
quick loan 0.89 90,500 60500 $6.19 49,500
private student loans 0.79 90,500 60500 $12.64 74,000
mortgage loan calculator 0.85 90,500 49500 $6.97 74,000
make google homepage 0.14 90,500 60500 $5.63 40,500
loan emi calculator 0.28 90,500 3600 $0.00 3,600
loan companies 0.85 90,500 60500 $8.49 60,500
loan calculator mortgage 0.85 90,500 49500 $0.00 74,000
loan agreement 0.54 90,500 40500 $1.08 40,500
instant loan 0.89 90,500 60500 $6.74 49,500
hotmail messenger download 0.35 90,500 18100 $0.00 12,100
google earth map 0.21 90,500 18100 $2.21 14,800
google calculator 0.19 90,500 60500 $2.04 40,500
gmail messenger 0.12 90,500 6600 $3.39 6,600
driving directions yahoo 0.15 90,500 90500 $0.76 90,500
download hotmail messenger 0.35 90,500 18100 $0.46 12,100
att.yahoo.com 0.1 90,500 90500 $1.82 90,500
yahoo chat rooms 0.45 74,000 22200 $0.00 27,100
student loans federal 0.56 74,000 60500 $0.00 74,000
student loans direct 0.24 74,000 60500 $9.19 60,500
refinance home loan 0.88 74,000 49500 $0.00 60,500
make money quick 0.65 74,000 60500 $2.90 49,500
loan payment calculator 0.58 74,000 49500 $5.49 60,500
housing loan interest rates 0.82 74,000 22200 $1.67 22,200
home owner loans 0.81 74,000 33100 $54.30 33,100
home loan refinance 0.88 74,000 49500 $0.00 60,500
home improvement loans 0.85 74,000 40500 $27.84 49,500
google search bar 0.09 74,000 33100 $3.53 40,500
google maps nz 0.14 74,000 720 $0.05 720
google maps directions 0.24 74,000 49500 $6.00 49,500
google dashboard 0.15 74,000 12100 $0.05 27,100
car loans for bad credit 0.95 74,000 60500 $11.36 49,500
car loan rates 0.85 74,000 49500 $0.00 49,500
bad credit personal loan 0.94 74,000 60500 $0.00 60,500
bad credit car loan 0.91 74,000 74000 $0.00 49,500
yahoo homepage 0.16 60,500 40500 $1.46 33,100
www.gmail.com sing in 0.2 60,500 14800 $0.05 4,400
used car loan 0.81 60,500 40500 $6.29 49,500
student loan forgiveness 0.24 60,500 49500 $2.25 49,500
sbi home loans 0.2 60,500 4400 $0.94 4,400
sbi home loan 0.2 60,500 3600 $1.36 3,600
make google my homepage 0.13 60,500 33100 $9.85 27,100
loan repayment calculator 0.37 60,500 14800 $0.00 14,800
loan comparison 0.78 60,500 12100 $13.16 14,800
loan amortization calculator 0.45 60,500 33100 $0.00 49,500
lic home loans 0.16 60,500 2900 $1.39 2,400
i need a loan 0.83 60,500 40500 $4.42 33,100
hotmail mobile 0.04 60,500 12100 $1.40 14,800
home loans with bad credit 0.93 60,500 40500 $21.84 40,500
home loans for bad credit 0.93 60,500 40500 $22.74 40,500
home loan sbi 0.2 60,500 3600 $0.00 3,600
home loan interest rates 0.83 60,500 18100 $9.73 22,200
home loan bad credit 0.92 60,500 33100 $0.00 40,500
hdfc home loan 0.23 60,500 3600 $1.24 3,600
google toolbar for chrome 0.15 60,500 22200 $0.05 18,100
federal student loan 0.26 60,500 49500 $21.01 60,500
crisis loan 0.17 60,500 6600 $2.80 6,600
bad credit home loans 0.93 60,500 40500 $0.00 40,500
auto loan rates 0.79 60,500 49500 $0.00 49,500
amortization loan calculator 0.45 60,500 33100 $2.79 49,500
yahoo web hosting 0.57 49,500 33100 $18.93 33,100
yahoo instant messenger 0.17 49,500 33100 $0.41 33,100
student loans bad credit 0.92 49,500 40500 $0.00 49,500
student loan repayment 0.15 49,500 33100 $15.02 33,100
personal loan calculator 0.72 49,500 12100 $5.65 12,100
perkins loan 0.28 49,500 40500 $1.04 49,500
payday loan lenders 0.95 49,500 33100 $6.14 27,100
national student loan 0.07 49,500 18100 $5.44 14,800
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