Karen, a 64-year old senior who wants to retire tomorrow for her 65th birthday and to celebrate New Year's Eve, earned $4,000 working part-time during the year, 2018, which was taxed. She has earned 36 credits as of last year December 31, 2017. How many Social Security credits did Liz earn for Social Security credit, provided that every $1260 of earnings entitled her to 1 credit, and will she be eligible to retire tomorrow, December 31, 2018, and claim Medicare and Social Security?

a. 2, and she cannot retire and collect her benefits

b. 3, and she cannot retire and collect her benefits

c. 3, and she can retire and collect her benefits

d. 4, and she cannot retire and collect her benefits

The answer is not c. Please show workings