Brianna is taking out a personal loan. She is given a 4.5% variable interest rate. What does this mean?

a. Brianna can expect to pay back her principal plus 4.5% interest

b. Brianna can expect her interest rate to start at 4.5%, but change throughout the term of

her loan

c. Brianna can expect her interest rate to be 4.5% throughout the term of her loan

d. Brianna can expect her APR to be 4.5% throughout the term of her loan