Option a requires 2 years higher education and $25000 while option b requires 4 years of higher education and $20000. option b time and money

Freya realizes she does not have enough in her bank account to use the debit card. she decides to use a credit card instead. which questions should freya answer before using a credit card? check all that apply. can i pay at least the minimum payment each month? can i make payments on time and avoid late fees? will i have to take out a loan? how much in finance charges can i afford to pay? should i talk to a consumer credit counseling service?