Sabrina plans to apply for a loan that requires a down payment at the end of this year what will help her reduce the total cost of the loan

D. reducing the loan term and increasing the down payment

Step-by-step explanation:

Sabrina's loan balance should be lowered in order to have a lower interest. Therefore, she should "increase her down payment." An increase in down payment means a smaller loan balance.

In addition to this, she should also reduce the loan term because extending the term will most likely lead to an increase overall interest. Although the monthly payment is smaller than a shorter loan term, the overall amount Sabrina will pay is actually bigger.

1/3

step-by-step explanation:

to find this, you can divide 12 by 4 which is 3 or you can multiply 4 until you reach 12 (4x3=12). both should give you 3, meaning theres three times less bananas than there are oranges.