Sam has a great paying job, has no dependents, and owns his own apartment. He wants to take out an appropriate loan to finance the rest of his graduate business degree, which he plans to study for at night, at a cost of $40,000. What type of loan would he consider if he really does not like to carry much, if any, debt? a) Unsubsidized Stafford Loan b) Stafford Loan c) Standard Direct PLUS Loan plan d) Federal Perkins Loan