A credit card borrower pays a small rate of interest in each billing cycle while a payday loan borrower _____.
A. avoids interest by only taking out small loan amounts.
B. pays a fee when they first receive the loan and must repay it to extend.
C. pays one lump sum of all their interest after the first year of the loan.
D. is eligible to have their loan reduced of they make their first six payments on time.