f a loan has a prepayment penalty, there will be an additional cost to repaythe loan early: a. if the borrower has defaulted on any monthly payment. b. if the loan is repaid before the first payment is due. c. if the loan is not repaid before the loan maturity date. d. if the lender wants to recover part of the full interest that would have been earned. e. if the loan is prepaid 3 months before the loan maturity