Selena is about to enter her senior year of college when all of a sudden she realizes her school raised the tuition cost, and she's short $6600 in her financial aid package.

Choose the best option for each scenario and explain why.

OPTION 1: Charge the payments on the joint credit card account she shares with her mom, at a 14.99% APR

OPTION 2: Apply for a Federal Student Loan to cover the cost

OPTION 3: Get a private college loan from her bank, Wells Fargo, which is currently offering fixed rates between 5.94% and 10.92% t a private college loan from her bank, Wells Fargo, which is currently offering fixed rates between 5.94% and 10.92%

OPTION 4: Ask her older brother, who's been out of college for 5 years now, for a loan.