Answer:
The fact that he graduated from college ( C )
Step-by-step explanation:
the expensive lifestyle : Chris's expensive lifestyle will drain his pockets and this will contribute negatively to his Finances and will increase his financial problems.
the interest rate charged on the Debt: the interest rate is an expense for him to pay because paying interest rate on debt is a huge means of expenditure as well
the fact that he graduated from college has noting to contribute to his finances while the amount of debt he owes will surely be a problem financially for him