Which statement best explains student loans that cover the costs of an education?

Since there are no choices to choose from, here is a brief information about student loans.

Student loans are offered to students to access higher education. This is one of the ways to financially aid the students to pay their college fees. Student loans in the United States grew rapidly. However, these loans must be repaid since this is different from scholarships and grants (other forms of financial aid of students).

They require the use of savings. They require repayment with interest. They depend on getting good grades. They do not have to be paid back later.

I think a