Answer:
A. A decrease in the total cost of the loan
Step-by-step explanation:
By making a down payment, she is basically having to borrow less money.
When she borrows less money (and if she pays off her loan in a timely manner), then she will incur less interest.
The result of the above is that she will eventually have to pay less for the total loan than if she borrowed a larger amount hence A is the answer.
