When refusing an applicant's direct request for a recommendation, which of the following is the best format?
o the message should be brief and indirectly imply the refusal.
o the message should be brief and direct.
o the message should directly state the refusal, suggest an alternative and use a close that encourages questions if necessary.
o the message should be detailed and indirect. o the message should imply the refusal, suggest an alternative and use a polite close

The message should be brief and indirectly imply the refusal.

Explanation:

When refusing an applicant's request; it's standard practice to be polite and brief. Less words are very much commendable, to avoid emotion. Also, communication should be positive and respectful.

forbearance of student loan payments. under forbearance, your loan payments are postponed (or reduced) but interest continues to accrue during the period of forbearance. if you don't pay the interest during that period, the interest may be “capitalized,” which means it is added to your principal balance.