Which of the following is false about negative amortization in mortgage loans?

a. Negative amortization can be a form of predatory lending.

b. Negative amortization can be a lenders solution for artificially lowered mortgage loan payments (e.g., to make the payments affordable), created by low teaser rates of interest.

c. Negative amortization can help the borrower(s) by capping monthly payments (e.g., to make the payments affordable) and guaranteeing the borrower(s) refinancing of the balance of more realistic payments.

d. Negative amortization can cause the borrower(s) to owe more at the end of the loan than he/she/it/they originally borrowed, even after years of monthly payments.