What is the difference between a learners permit and and operators license

One is able to get their learner's license at the age of 15 and it is valid for 1 year. It allows you to drive with someone above the age of 21 with a license in the car. In order to acquire an operator's license, one must be 16 years old at the least and have had permit for 6 months with at least forty hours of driving experience. It allows you to drive.

At 8.5% i am making after one year 1,500   +  1,500 x 0.08 = $1,620

my credit card cost 1,600 + 1,600 x 0.19 = $1,904


total balance =  interest  (negative)  of credit card + interest earn (positive)

that is  -304 + 120 = -$181