“But we don’t have to pay any interest!” they exclaimed, three or four at once. “We only have to pay twelve dollars each month.”

And for this she laughed at them. “You are like all the rest,” she said; “they trick you and eat you alive. They never sell the houses without interest. Get your deed, and see.”

Then, with a horrible sinking of the heart, Teta Elzbieta unlocked her bureau and brought out the paper that had already caused them so many agonies. Now they sat round, scarcely breathing, while the old lady, who could read English, ran over it. “Yes,” she said, finally, “here it is, of course: ‘With interest thereon monthly, at the rate of seven percent per annum.’ ”

And there followed a dead silence. “What does that mean?” asked Jurgis finally, almost in a whisper.

“That means,” replied the other, “that you have to pay them seven dollars next month, as well as the twelve dollars.”