Based on the details of each loan, which factor has the greatest impact on reducing the total repayment? ●loan #1: $2,000, 3 years, at 10% → $64.53 monthly payment ●loan #2: $2,000, 3 years, at 15% → $69.33 monthly payment ●loan #3: $2,000, 5 years, at 10% → $42.49 monthly payment a) longer loan period b) lower interest rate c) shorter loan period d) higher interest rate