Marta received an inheritance of $20,000 and wants to allocate it towards her six-year-old son's education in the most effective manner. Which of the following considerations will have the greatest financial impact?

a. Contributing to an RESP in such a way as to collect the maximum Canada Education Savings Grant b. Applying for the Canada Learning Bond as soon as possible c. Benefiting from the tax deferral in an RESP account as quickly as possible d. Collecting the maximum Educational Assistance Payments in the RESP account