What are excess fees that might be included in a borrower's overall costs for obtaining credit?

The term "excess fees" in the context of borrowing generally refers to additional costs incurred beyond the principal amount and standard interest rates when a borrower obtains credit. The finance charge encompasses all the costs associated with the borrowing process, including interest and any additional fees charged by the lender. This charge can provide a more comprehensive view of what obtaining credit will truly cost the borrower over the course of the loan.

In this context, while disbursement fees, overage charges, and late fees pertain to specific situations or delays, they do not capture the broader concept of all excess costs associated with obtaining credit. A finance charge is a direct reflection of the total cost, making it the most relevant answer when considering what might be classified as excess fees in the overall cost of credit.