Sophia just moved into her first apartment and has no furniture. Sophia visits The Furniture Showcase and finds some great bedroom and living room furniture. Sophia does not have the money to purchase the furniture, so the sales clerk presents Sophia with a retail installment sales contract. The contract calls for monthly payments until the purchase price is paid in full, and also includes annual interest at a rate of seventeen percent. Sophia knows that interest rates in her state are capped at ten percent by law, but she really needs the furniture so she signs the agreement. If Sophia later contests the amount of interest and wins, The Furniture Store may forfeit:

a. the entire loan.

b. the illegal interest.

c. all interest.

d. the illegal interest, all interest, or, in some states, the entire loan.