A college graduate is curious about the proportion of graduates who have loan debt 20 years after graduating. Let the proportion of graduates who have loan debt 20 years after graduating be p. If the college graduate wishes to know if the proportion of graduates who have loan debt 20 years after graduating is less than 18%, what are the null and alternative hypotheses?

Select the correct answer below:

H0: p=0.18;Ha: p<0.18

H0: =0.18;Ha: <0.18

H0: p=0.18;Ha: p>0.18

H0: p<0.18;Ha: p=0.18