please only answer if youre certain you are correct, thank you

You borrowed money and will be paying $200 a month for 10 years. The lender gives you a choice of interest rates and when to pay. Given all else equal, you would prefer You would prefer to pay $200 a month for twenty years rather than paying $200 a month for ten years. You would prefer to pay a higher interest rate than a lower rate. You would prefer to pay all $24,000 now rather than $200 a month for 10 years. You would prefer to pay $300 a month for 10 years rather than $200 a month for 10 years. You would prefer to pay at the end of the month than the beginning of the month