Could you pls help me with number 12. i am not understanding that question. thank you if you help.

Barbara has a good credit history and is able to purchase a car with a low-interest car loan. she co-signs a car loan for her friend jen, who has poor credit history. then, jen defaults on the loan. who will be held legally responsible by the finance company and why? select the best answer from the choices provided. a. barbara will be held legally responsible because she has a good credit history. b. jen will be held legally responsible because she drives the car. c. barbara will be held legally responsible because she is the co-signer. d. jen will be held legally responsible because she has a poor credit history. the answer is a