Using 125 words or more, explain in your own words why the APR does not compare loans for different lengths of time.

Some classes of fees are not included in the calculation of APR. Because these fees are not included, as some consumer advocates claim that the APR does not represent the total cost of borrowing. Excluded fees may include: routine one-time fees which are paid to someone other than the lender and penalties such as late service without regard for the size of the penalty it will be imposed