Answer:
What will help Sabrina reduce the total cost of the loan will be:
D. reducing the loan term and increasing the down payment.
Explanation:
Banking entities charge interest based on an important variable: the loan term, when the term is too long, makes a higher interest charge in total since each year it is lower than if it had a short term, In other words, the longer Sabrina takes to pay all the money to the bank, more expensive it will be, so a good idea to decrease that final cost, as long as you have the means to do so, is to decrease the term payment, which will increase the value of the installments but decrease the interest charge, and increase the initial payment, which will also have a positive effect for Sabrina with respect to the interest collected.