11. Which of the following is the best practice for a student with student loans? A. After graduation, have a budget that includes money for paying more of the loan than is required monthly payment. B. Get a full-time job with a large company that has a tuition reimbursement policy for its employees. C. Refinance the loan by transferring the amount of money owed to a credit card with a low-interest rate. D. After five years of working, if the loan is not fully repaid apply for personal bankruptcy