Explain the concept of selective borrowing and how it evolved in Japan.

Javier is considering two options for college. option a: complete the first two years of schooling at a community college and then transfer to a university. option b: complete all four years of schooling at the university. community college financial analysis costs per year financial aid package per year tuition & fees scholarships & grants $3,000 $1,000 room & board $1,000 university financial analysis costs per year financial aid package per year tuition & fees scholarships & grants $10,000 $15,000 room & board work-study $11,500 $4,000 which statement about the cost of the options is true? option b will save him $1,000. option b will save him $2,000. option a will save him $14,000. option a will save him $17,500.