18. Joanne is buying a new car for the first time and wants to make sure she does everything she can do to minimize
the overall cost. Which of the following will help her the MOST?
a. Putting an extra $50 towards her down payment
b. Lowering her interest rate from 4% to 2%
c Increasing her loan term from 60 months to 84 months
d. Getting an upgraded model of the car in the same class
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