Answer:
D
Explanation:
The other options aren't entirely true. Although loans typically need to be paid back, grants do not need to be. Since a portion of this statement is wrong, that option is automatically eliminated. Then there's scholarships. Most scholarships do not need to be paid back. In fact, I have not heard of one where you do need to pay it back, but there's a possibility one exists. As for the third option, if you're in a work-study program, you are earning money and therefore have nothing to pay back. The only liable choice left is the last answer, as saving money will always benefit you financially.