---
title: Maya's friend says, "My parents have a mortgage, so they're in debt,… — Debt, loans, credit cards and interest · tree and pragmatics
description: Maya's friend says, "My parents have a mortgage, so they're in debt, so they're bad with money." What's true? Test 6 · ★ of lesson 24 «Debt, loans, credit cards and interest» of the money course of Mova's primary school, with the dependency tree and pragmatics of the question and of each option; Mov
---

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# Test 6 · ★ · Debt, loans, credit cards and interest

<!-- .ven lang=en -->
Maya's friend says, "My parents have a mortgage, so they're in debt, so they're bad with money." What's true?

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 1 · right ✓ · **Who acts:** friend, parents · **What happens:** say, have, be · **To what, where:** mortgage, debt · **Speech:** someone speaks here

<!-- .vabout -->
This is test 6 · ★ of lesson 24 «Debt, loans, credit cards and interest» of the money course of Mova's primary school. The page gives the question's syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause, then the 4 options as the student saw them, each with its tree and pragmatics. Every text is parsed by Mova itself. How the student answered it, with the score of every option and why: [the test at school](https://md.mova.elamur.ai/free/en/school-run/money/24-debt-loans-credit-cards-and-interest/#t6).

## The question {#question}

<!-- .note -->
*Sentence 1:* Maya's friend says, "My parents have a mortgage, so they're in debt, so they're bad with money."

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t6:1
# text = Maya's friend says, "My parents have a mortgage, so they're in debt, so they're bad with money."
1	Maya	Maya	PROPN	NNP	Number=Sing	3	nmod:poss	_	SpaceAfter=No
2	's	's	PART	POS	_	1	case	_	_
3	friend	friend	NOUN	NN	Number=Sing	4	nsubj	_	_
4	says	say	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	SpaceAfter=No
5	,	,	PUNCT	,	_	9	punct	_	_
6	"	"	PUNCT	``	_	9	punct	_	SpaceAfter=No
7	My	my	PRON	PRP$	Case=Gen|Number=Sing|Person=1|Poss=Yes|PronType=Prs	8	nmod:poss	_	_
8	parents	parent	NOUN	NNS	Number=Plur	9	nsubj	_	_
9	have	have	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	4	ccomp	_	_
10	a	a	DET	DT	Definite=Ind|PronType=Art	11	det	_	_
11	mortgage	mortgage	NOUN	NN	Number=Sing	9	obj	_	SpaceAfter=No
12	,	,	PUNCT	,	_	17	punct	_	_
13	so	so	ADV	RB	_	17	advmod	_	_
14	they	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	17	nsubj	_	SpaceAfter=No
15	're	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	17	cop	_	_
16	in	in	ADP	IN	_	17	case	_	_
17	debt	debt	NOUN	NN	Number=Sing	9	obl	_	SpaceAfter=No
18	,	,	PUNCT	,	_	22	punct	_	_
19	so	so	ADV	RB	_	22	advmod	_	_
20	they	they	PRON	PRP	Case=Nom|Number=Plur|Person=3|PronType=Prs	22	nsubj	_	SpaceAfter=No
21	're	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	22	cop	_	_
22	bad	bad	ADJ	JJ	Degree=Pos	4	ccomp	_	_
23	with	with	ADP	IN	_	24	case	_	_
24	money	money	NOUN	NN	Number=Sing	22	obl	_	SpaceAfter=No
25	.	.	PUNCT	.	_	22	punct	_	SpaceAfter=No
26	"	"	PUNCT	''	_	22	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **say** *speech: assert* | present | Maya's friend |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent clause=Topic |
| 2 | **have** *in a quote* | present | My parents | a mortgage |  |  |  |  | vn birth-28.2-1 «NP V NP»: agent=Agent mortgage=Patient |
| 3 | **is** *in a quote* | present | parents *= parent* |  |  | debt |  |  | tree rules |
| 4 | **is** *in a quote* | present | parents *= parent* |  |  |  |  | with money; bad *property* | tree rules |

<!-- .note -->
One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree.

<!-- .note -->
*Sentence 2:* What's true?

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t6:2
# text = What's true?
1	What	what	PRON	WP	PronType=Int	3	nsubj	_	SpaceAfter=No
2	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	cop	_	_
3	true	true	ADJ	JJ	Degree=Pos	0	root	_	SpaceAfter=No
4	?	?	PUNCT	.	_	3	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present |  |  |  |  |  | true *property* | tree rules |

## The options {#options}

### Option 1 · ← Mova's choice · ✓ the right answer {#o1}

<!-- .ven lang=en -->
A mortgage is a normal debt that helps families buy a home

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t6:o1:1
# text = A mortgage is a normal debt that helps families buy a home
1	A	a	DET	DT	Definite=Ind|PronType=Art	2	det	_	_
2	mortgage	mortgage	NOUN	NN	Number=Sing	6	nsubj	_	_
3	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	6	cop	_	_
4	a	a	DET	DT	Definite=Ind|PronType=Art	6	det	_	_
5	normal	normal	ADJ	JJ	Degree=Pos	6	amod	_	_
6	debt	debt	NOUN	NN	Number=Sing	0	root	_	_
7	that	that	PRON	WDT	PronType=Rel	8	nsubj	_	_
8	helps	help	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	6	acl:relcl	_	_
9	families	family	NOUN	NNS	Number=Plur	8	obj	_	_
10	buy	buy	VERB	VB	VerbForm=Inf	8	xcomp	_	_
11	a	a	DET	DT	Definite=Ind|PronType=Art	12	det	_	_
12	home	home	NOUN	NN	Number=Sing	10	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is a** | present | a mortgage | a normal debt |  |  |  |  | tree rules |
| 2 | **help** | present | a normal debt | families |  |  |  |  | vn help-72.1-1-1 «NP V NP S\_INF»: agent=Agent family=Beneficiary clause=Theme |
| 3 | **buy** | infinitive | families *not said here* | a home |  |  |  |  | vn accept-77.1 «NP V NP»: agent=Agent home=Theme |

### Option 2 {#o2}

<!-- .ven lang=en -->
A mortgage is a gift, so it isn't really debt

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t6:o2:1
# text = A mortgage is a gift, so it isn't really debt
1	A	a	DET	DT	Definite=Ind|PronType=Art	2	det	_	_
2	mortgage	mortgage	NOUN	NN	Number=Sing	5	nsubj	_	_
3	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	5	cop	_	_
4	a	a	DET	DT	Definite=Ind|PronType=Art	5	det	_	_
5	gift	gift	NOUN	NN	Number=Sing	0	root	_	SpaceAfter=No
6	,	,	PUNCT	,	_	12	punct	_	_
7	so	so	ADV	RB	_	12	advmod	_	_
8	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	12	nsubj	_	_
9	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	12	cop	_	SpaceAfter=No
10	n't	not	PART	RB	Polarity=Neg	12	advmod	_	_
11	really	really	ADV	RB	_	12	advmod	_	_
12	debt	debt	NOUN	NN	Number=Sing	5	conj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is a** | present | a mortgage | a gift and debt |  |  |  |  | tree rules |
| 2 | **not** **is a** | present | mortgage | debt |  |  |  |  | tree rules |

### Option 3 {#o3}

<!-- .ven lang=en -->
She's right, all debt means bad money skills

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t6:o3:1
# text = She's right, all debt means bad money skills
1	She	she	PRON	PRP	Case=Nom|Gender=Fem|Number=Sing|Person=3|PronType=Prs	3	nsubj	_	SpaceAfter=No
2	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	cop	_	_
3	right	right	ADJ	JJ	Degree=Pos	0	root	_	SpaceAfter=No
4	,	,	PUNCT	,	_	7	punct	_	_
5	all	all	DET	DT	PronType=Tot	6	det	_	_
6	debt	debt	NOUN	NN	Number=Sing	7	nsubj	_	_
7	means	mean	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	parataxis	_	_
8	bad	bad	ADJ	JJ	Degree=Pos	10	amod	_	_
9	money	money	NOUN	NN	Number=Sing	10	compound	_	_
10	skills	skill	NOUN	NNS	Number=Plur	7	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present | She |  |  |  |  | right *property* | tree rules |
| 2 | **mean** | present | all debt | bad money skills |  |  |  |  | vn intend-61.2-1 «NP V NP»: agent=Agent skill=Topic |

### Option 4 {#o4}

<!-- .ven lang=en -->
Mortgages are only for people who never pay bills

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t6:o4:1
# text = Mortgages are only for people who never pay bills
1	Mortgages	mortgage	NOUN	NNS	Number=Plur	5	nsubj	_	_
2	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	5	cop	_	_
3	only	only	ADV	RB	_	5	advmod	_	_
4	for	for	ADP	IN	_	5	case	_	_
5	people	people	NOUN	NNS	Number=Plur	0	root	_	_
6	who	who	PRON	WP	PronType=Rel	8	nsubj	_	_
7	never	never	ADV	RB	PronType=Neg	8	advmod	_	_
8	pay	pay	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	5	acl:relcl	_	_
9	bills	bill	NOUN	NNS	Number=Plur	8	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present | Mortgages |  |  |  |  | for people | tree rules |
| 2 | **not** **pay** | present | people | bills |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent bill=Asset |

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**Text:** the tests of Mova's primary school, written for Mova (`world/data/school/`), as the course runner gave them to the student. **Trees:** Mova's own parse — the `en` model on the CPU, when the site is built — not checked by a teacher; they may be wrong. **Frames:** Mova's frames reader (`prag`), each text read on its own. Elamur Cosmic License.

<!-- /div -->

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